BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Chime Financial Inc
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a prepaid card from chime my account was wipe out of {$4900.00} dollars I explained to them that my account was wipe out and told them some one has wipe out my account they ask me did I authorize anyone to use it and I told them no not at all I told them I clicked on a email that was sent to me about refund of {$19.00} they owe me I told them after I read email my account was wipe out clean they told me they couldn't do a dispute because I gave authorization and I told them no I did not I told them I need that money back in my account soon asap because that's was my XXXX XXXXXXXX XXXX XXXX XXXX  money for Social security administration because she's in need of XXXX of course they told me I'm sorry and they couldn't do anything so I done talk to 6 people all day and I screenshot the email to them and told them it came from your institution and they say no and told them that's you all email you sent me so I been disputing all day someone supposed to be helping but no money has been returned yet now I file a complaint with identitytheft.gov and now I'm going to file a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had went to the hospital in another state and then moved. I received notice of the medical after it was sent to collections from the hospital and the debt collector had already reported it to all 3 bureaus. I called the company, Transworld Systems Inc. at XXXX, today to advise I would pay the balance in full in exchange for a deletion letter. They advised they would submit it as paid in full but not provide a deletion letter. 

Right now, I understand it is may not be a violation of the FDCPA, but debt collectors should not be able to damage your credit for years ( after paying off the medical debt ) and then refuse to remediate it. Why is part of the FDCPA that requires that debt collectors who report provide deletion letters if the debt is paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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:
Credit Bureau failure to reply to 30 day complaint notice. Equifax, XXXX XXXX Credit Bureau listing in actual information that do not belong to my.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: LEXISNEXIS
State: OH
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:
LexisNexis searched for negative information pertaining to me which is an invasion of my right to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Lending Club Corp
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft LENDING CLUB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had XXXX credits credit to this closed account and did not realize it until a few months ago. The bank need to check their legers to see where my money is. They have sent my account for collection and never paid it with the credits owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX I opened an Delta AMEX card to book a flight. When the instant account number page was opened, the screen timed out and I was unable to receive this number to pay my flight ( THE WHOLE PURPOSE OF THE CARD ). 

I talked to 3 representatives. The first one told me to wait a few hours ( I did and chatted back ). 

The second, XXXX, told me to wait 24 hours to get my card number. HE ALSO gave me someone else 's account information, i will paste the chat here. What a freaking security hazzard. 

You - XX/XX/XXXX XXXX XXXX Please chat with us in next 24 hours. We will let you know if instant account number is available on gold delta card or not XXXX - XX/XX/XXXX XXXX XXXX We are all set no XXXX - XX/XX/XXXX XXXX XXXX  now XXXX - XX/XX/XXXX XXXX XXXX Your user id XXXX password is XXXX XXXX - XX/XX/XXXX XXXX XXXX What is this for? 
You - XX/XX/XXXX XXXXXXXX XXXX Please disregard may last statement XXXX - XX/XX/XXXX XXXX XXXX Yikes.. what a security You - XX/XX/XXXX XXXX XXXX   XXXX, please ignore it. It is not for you. 
XXXX - XX/XX/XXXX XXXX XXXX It's actually concerning that they would share someone's login credentials with me. 

I chat today with XXXX and he told me he can not give me the my account information. Not only am I am unable to book my flight with the card I opened, I am constantly given false information by back to back representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I GOT MY CREDIT REPORT FROM EXPERION, THEN IT TOLD ME THAT I HAD ONLY 2 MINUTES LEFT ON MY REPORT AND THEN IT CUT ME OFF. THIS IS NOT ACCEPTIBLE. PLEASE SEND ME MY CREDIT REPORT! tHERE ARE DISPUTES ON IT, i WANTED TO ADDRESS THESE DISPUTES!

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 2021-11-29
Company: EQUIFAX, 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:
As a XXXX who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : 1. XXXX XXXX  XX/XX/2021. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
2. XXXX XXXX XXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them 3. XXXX XXXX XX/XX/2021. This I have no idea of in its total entirety I dont know them 4. XXXX XX/XX/2021. Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
5. XXXX XX/XX/2021. Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
6 And last XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/2021 respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those two separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Dear Sir / Madam, I had taken Auto finance from Capital one auto Finance for my XXXX XXXX XXXX car in XXXX, XXXX for 4 year lease Account # XXXX I have paid early and my last payment of {$1800.00} paid through XXXX XXXX XXXX Check not through my personal check on XX/XX/XXXX. 
I called Capital one auto Finance department and asked them when can I have my lean released from your side. The reply from them was it will take 15 business days and after 7 more days they will post me release of lean after that I can take it to XXXX. I asked the lady why is this like you have to wait to have clear a XXXX XXXX XXXX XXXX so long? she said this is policy of Capital one auto Finance, I asked her can you please E-mail me the policy she refused, than I asked her that I want to talk to manger, When I asked manger she replied the same, I asked her I am on you website please let me know where I can find you policy, she said we do not have. 
I thought I am living in XXXX period of XXXX ; ; ; ; ; I told her that I am going to make a complain about it, she said we are not bother about it this is our policy. I told her that we are in XXXX so please do not push XXXX to XXXX XXXX XXXX. 
They should have develop a system online with XXXX to clear lean, I think they have link with XXXX for loan and insurance with all XXXX in all states that benefits them but not for people benefits. 
When some one has paid full amount why he or she have to wait so long?? 
I will highly appreciate it if you please look in to this. 
Thanks and Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
As of XX/XX/2020 on Tuesday morning at XXXX my Cashapp account was locked. It has the total amount off {$4500.00}. When I got this notice it told me the account will be unlocked within 24 hours, or to send them an email to dispute the reason why the account was locked. I sent them an email and there online services says they will respond with in 48 hours. Since Thursday morning was more than 48 hours later, I have sent them 3 other emails trying to receive my money that is locked in there account. They have not responded to any of my emails or even attempted to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX from XXXX to XXXX. Graduated with an XXXX XXXX in XXXX. Since then I have been informed that I have 7 of 17 loans still outstanding which amounts to about 60 thousand dollars. Speaking with a loan forgiveness specialist, I was informed that loans were processed in my name from XXXX to XXXX. I was no longer a student after graduating in XXXX. I have made payments to several companies that bought my loans. I stopped because it was so confusing as to who I owe. My check is being garnished15 %  and it has been for the last three years. I NEED HELP. This school has sinced closed and has a lawsuit against them for fraudulant loans being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, 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:
Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PURCHASE AUTHORIZED ON XX/XX/XXXX PP*GOOGLE VISUALBL XXXX CA XXXX CARD XXXX XX/XX/2018 - XXXX XXXX Posted XX/XX/2018 - Google Play Purchase Omission Civil Harassment - Judicial Misconducts ( CA, NM )

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 2019-03-07
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a debt collection call and filed a complaint. The complaint is XXXX. On XX/XX/XXXX the response to the complaint was that they'd entered my number in error and apologized for any inconvenience. On XX/XX/XXXX at XXXX XXXX they called again!!! Evidently their solution to fix the problem was less than sincere. Please get them to stop and to mean it this time. Perhaps this lack of actual solutions is why they have 28,508 complaints on your database as of a few minutes ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} Transunion XXXX XXXX XXXX XXXX {$2500.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
i APPLIED FOR A LOAN MODIFICATION WITH M AND T BANK AND WAS DENIED. I HAVE A XXXX XXXX  WITH A RATE OF 6.0 % WHICH THEY REFUSE TO MODIFY BY REFINANCING. I HAVE MORE THAN 20 % REQUIRED FOR THE BANK TO REMOVE THE PMI WHICH WOULD LOWER MY MORTGAGE PAYMENT BY XXXX MONTHLY MAKING IT AFFORDABLE. HOWEVER THE BANK REFUSED TO REMOVE THE PMI UNLESS I CAN MAKE 12 TIMELY MONTHLY PAYMENTS. BANKS SHOULD NOT BE ABLE TO DETERMINE IF PMI GETS REMOVED OR NOT. PMI IS BASED ON THE AMOUNT OF EQUITY. I HAVE EXPERIENCED HARDSHIP AND ASKED FOR A LOAN MODIFICATION AND WAS REJECTED BECAUSE MY INCOME WAS LESS THAN THEY ALLOWED. I KNOW THAT THAT WAS WHY I WAS SEEKING A LOAN MODIFICATION. IF I HAD EXTRA INCOME I WOULD NOT BE BEHIND IN MY PAYMENTS AND SEEKING A LOAN MODIFICATION. REGARDLESS OF ALL I HAVE GONE THROUGH WITH THIS BANK FOR THE LAST 10.5 YEARS I HAVE PAID MY MORTGAGE. I WOULD LIKE THE PMI REMOVED IMMEDIATELY AND IT SHOULD BE AN AUTOMATIC PROCESS THAT WHEN A HOME HAS ACQUIRED THE NECESSARY AMOUNT 20 % THAT IT IS AUTOMATICALLY REMOVED.THERE HAS TO BE SOMETHING PUT IN PLACE TO PREVENT THESE BANKS FROM FORCING MORTGAGE OWNERS INTO FORECLOSURE WHEN THERE ARE MEASURES THAT CAN PREVENT THIS FROM HAPPENING.

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 2020-09-17
Company: Experian Information Solutions Inc.
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:
The credit bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the information.

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 2021-11-29
Company: Experian Information Solutions 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:
My credit report on Experian is showing that a credit card account was opened with XXXX XXXX Bank on XX/XX/2021 with my name added. Also XXXX XXXX Bank reported to the credit bureau that I live in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX while my address is in XXXXXXXX XXXX XXXX 
After talking to XXXX XXXX Bank, they have indicated that they do not have any records of a credit card under my name or social security number. 
I also spoke to Experian who informed me that will do an investigation with XXXX XXXX Bank and request to straighten the records

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 2017-09-19
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called XXXX XXXX XXXX on XXXX XXXX, 2017 to cancel my wireless service for account # XXXX. The overseas XXXX XXXX XXXX call center did n't cancel the service and when I continued receiving a bill for service I was not using XXXX XXXX XXXX finally cancelled the service on XXXX XXXX, 2017. Numerous calls to XXXX XXXX XXXX only provided the " Run - Around '' with no resolution so XXXX XXXX XXXX turned the amount over to Sunrise Credit Services, their account # XXXX. I have advised both parties that I would not pay for services not used. The disputed Amount is {$150.00}. Incidentally I had great difficulty in cancelling three other XXXX XXXX XXXX services due to the move from XXXX to XXXX, But was able to after numerous phone calls was able to accomplish the requested service cancellations. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation