BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/XXXX there was an email notification alerting that someone had accessed my chime account and a {$900.00} transfer from my bank to chime was pending. Upon noticing I emailed chime placed a dispute and closed my account. Chime begun to alert me that they needed to reopen my account to handle the dispute ( XX/XX/XXXX ). Once the account was opened the fraudulent signee began to draft {$5500.00} to my chime ( XX/XX/XXXX ). After alerting chime they said that I would have to await a response in order to be services. The fraudulent acts were happening in real time and their XXXX hour window was too long and the funds began to get sent to various accounts and XXXX. After noticing chime was not handling this quickly I had to lock my back from chime but keep the chime account open to handle the dispute. Now there are XXXX disputes in due to how the funds were sent fraudulently. XXXX Dispute closed returning back to me {$1800.00}. They declared I could hold onto the money until the dispute closed. The other dispute for {$4500.00} was declined and chime closed my account involuntarily ( XX/XX/XXXX ). Also on the XXXX I was alerted that the team was working on the dispute. Other emails state that my account has violated terms and must be terminated. I have spoken to customer service and always get members who seem to be reading from a script. They have no sense of urgency and have needed to speak to a manager every phone call which in some cases they would not give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.

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 2020-11-02
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: Their investigation did not fix an error on your report

Complaint:
I opened this XXXX account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

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 2023-01-23
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Collection Services is seeking {$3200.00} for an account that was opened XX/XX/2022 with what looks like XXXX XXXX. I have never opened an account with XXXX or have I ever been late for any type of debt payments. Looking to get this removed from credit report as it is not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for CHASE IHG credit card with promotional offer of one free night at any property upon renewed annual year on XX/XX/XXXX. Chase has recently changed the terms to properties less than XXXX points and has also excluded certain properties that are under XXXX points. As of now Chase is honoring this certificate for those who applied between XX/XX/XXXX-XX/XX/XXXX and nothing before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 noticed a negative report on XXXX and Transunion had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both XXXX and Transunion with no results. The Debt Collector is XXXX  XXXX  XXXX  and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.

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 2020-11-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In XX/XX/2020, I filed a dispute with Experian and they refuse to do an investigation. I do not understand why they are saying this? I have done everything by the book and file things myself, Having to do this again all because they don't want to do their jobs is crazy. I hope you can help me with this matter.

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 2020-11-02
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XXXX I mailed out a dispute to XXXX, XXXX and Equifax. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by XXXX on XXXX and Equifax on XXXX. But to date, I have not received any response from XXXX or Equifax. I would really like to know : 1. What is the status of my disputes received by XXXX and Equifax? 
2. Why have I not received a response to my disputes? 
3. When will I receive a response to my disputes? 
4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Got a call from XXXX, a 3rd party company called Rent Collect Global for around {$98.00} owed to an apartment complex called XXXX XXXX  XXXX XXXX owned by XXXX XXXX. The woman on the line got very aggressive with her tone and words as soon as I questioned the legitimacy of the call and company, and stated that I would contact the apartment complex directly to verify. She said she could give me my social security number over the phone to verify the legitimacy, which I told her that was something that could be obtained through hacking and it was not sufficient for me. To which she started rattling off my personal identifying information, like where I worked, and I said I would still contact the apartment complex directly. She told me they couldnt do anything and that if I didnt pay on the phone right then it was refusal to pay and would be on my credit. I then told her to have a good day and ended the call. I contacted my old apartment complex directly to which they did say the company was and did not give me information on how to pay. I never received a bill in the mail as I forgot to provide a forwarding address, but the apartment complex did have my email address and phone number on file and had they contacted me I would have paid or given them my new address to mail it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2023-01-23
Company: EQUIFAX, INC.
State: IL
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with Fair Credit Reporting Act XXXX XXXX account # XXXX. Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
So I filed a recent complaint against Transunion Credit Bureau for Inquires that do not belong on my credit report back on XX/XX/XXXX.

On XX/XX/XXXX- I get a response back from Transunion Credit Bureau stating " Please also be advised however that your TransUnion credit report does not reflect an inquiry from XXXX XXXX , XXXX , XXXX, and XXXX '' As a response to this, I find this response to be invalid or pure disrespectful as the company has sought to deceive me by lying to me. XXXX XXXX which is the same as XXXX XXXX XXXX does appear on my Credit Report under Hard Inquires and also they go on to say the Inquires " The inquiries listed on your credit report are a record of the companies that obtained your credit information. 

Funny thing being about this respose is they may be right about companies retaining credit information but had Transunion opened the attachment that was attached to the last complaint they would have saw that the letter addressed directly from the creditor that states that their company has never pulled my credit for any reason and had confirmed that at no time had my credit even been pulled by their company, they have also asked that Transunion make the necessary adjustments to my credit report. ( Attachment Added to Complaint ) Now Transunion claims this inquiry does not exist but it very well does exists and so does two other inquires on my Transunion Credit Report from apparently XXXX XXXX. I have never even applied for a credit card from this company nor have I ever completed an application. I feel that Transunion is improperly handeling 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 2023-01-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I and my Fianc have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since XXXX XXXX XXXX affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection is an attempt to collect the same debt from CFPB case # XXXX. The debt is now under NATIONAL CREDIT ADJUSTAccount XXXX. The debt was deemed invalid due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions 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:
XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX  keep reporting my information as updated with the same errors.

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 2020-12-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 6-month interest free loan from Comenity Bank XXXX XXXX XXXX for {$9800.00} XX/XX/2020 Paid {$500.00} XX/XX/2020 Paid {$520.00} XX/XX/XXXX Paid {$1800.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Received email notice of a {$750.00} interest fee XX/XX/2020 Sent letter with copy of email to Comenity XX/XX/2020 Sent letter with further information XX/XX/2020 Received letter from Comenity XXXX looking into it XX/XX/2020 Received letter from Comenity that investigation concluded and closed XX/XX/2020 Received notice of a {$750.00} interest fee XX/XX/2020 Because website not available on my laptop ( technical difficulties ) ever - sent a letter of complaint again XX/XX/XXXXReceived letter from Comenity that wsill investigate further XX/XX/2020 Sent letter with check for {$290.00} which is 19.99 % of {$1500.00} which would be the amount still due if Comenity views XX/XX/XXXXas the end of the 6 month agreement Additionally, numerous calls were made and finally a message was sent through the website which again is not available to my laptop but I was able to access on my tablet with the help of a phone representative from Comenity on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was charged interest twice in XX/XX/XXXX, once from my regular autopayment ( XX/XX/XXXX ), and the second from an additional principal payment I sent in on XX/XX/XXXX. This second interest payment that month still has not been applied even though I have called and spoken to agents numerous times. Also, approximately {$300.00} was added to my balance on XX/XX/XXXX for no apparent reason. They have only sent me a pay off statement which I can find online at anytime, not a full accounting which is what I requested.

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 2020-11-02
Company: Optimum Outcomes, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a call and letter from a company called Optimum Outcomes from XXXX, North Carolina. In this call and letter they maintained that I was delinquent on a debt for {$380.00} to XXXX XXXX XXXX XXXX XXXX XXXX. I asked that they document this debt. In the response that followed they referenced a bill that I paid in XX/XX/XXXX for {$470.00} including the {$380.00} that they claimed was delinquent. ( attached ) After sending a letter with this proof of payment and a request to clear this from their records, they sent a follow up letter whereby they neither confirmed nor denied that the debt had been paid. They are now calling me again for the same {$380.00} that they claim is due. XXXX is showing a XXXX balance due for my account and acknowledges that the amount has been paid, which shows either that XXXX sent the bill in bad faith to a collection agency after it was paid or that these people know the bill is paid and don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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:
There are 2 Inquires on my credit report that should not be there.

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 2023-01-22
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Navy Federal has defamed my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Atlanticus Services Corporation
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:
Fortiva XXXX XXXX, XXXX XXXX XXXX, AT, GA XXXX incorrectly included me in the population of their customers who received hardships due to COVID-19 pandemic. When I called to inquire about why I had received this letter and was included in this population when I paid off my account and told them to close it immediately, they kept reading a scripted response and refused to answer my question. I asked them to remove me from this population given it was incorrect and received no response. I did not receive any assistance from them for CoVID hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation