BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Yes I have a Chime Credit, Checking and Savings account with chime. I was in XXXX on XX/XX/XXXX XXXX Illinois trying to purchase items when I noticed I couldn't use either my credit or Checking card. I have money in all 3 accounts totaling at least XXXX dollars I've contacted them thru phone and email and I'm just getting the run around I submitted my ID to them thru email. I have been robbed of my money and I need my refund asap. They close my account with alerting me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. The accounts below should be corrected at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: Harvard Collections, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I previously filed a complaint with the XXXX XXXX XXXX and with the federal trade commission regarding a collection that was over 30+ years old. The collection company removed the amount from all three bureaus and close this matter. Today I received an email and a phone message from XXXX XXXX from the collection agency Regarding how to answer the appeal today. I received a phone call from a person named Judge XXXX from XXXX  Of Illinois to hear my appeal and disclosed this matter I explained that this collection attempt was closed and she kept asking me if I was going to cancel the appeal or if I still wanted to do a hearing she stated she did not have any information that this account was closed I told this person Judge XXXX not sure if she is even a judge if there was no case there was no information that this was a close matter I contacted after my phone call ended XXXX XXXX to tell him to stop calling and harassing me over this 30 year old overpayment collection that was closed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I, XXXX : XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: Colony Brands, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There have been two fraudulant accounts opened in my name, that I have not opened or known about until yesterday XX/XX/2019. Charges were made to both accounts and sent to an old vacant address that I do not live at anymore. I have attached all the paperwork, detailed descriptions of the issues that I sent both companies already. I have also filed a complaint with a FTC Report package ( also attached ).  These accounts were opened without a SS #. All they needed was my name, an address, and a phone number. How does someone pull a credit report and open an account without SS # verification? That is very scary!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XXXX XXXX Lied to me about bank process that violated my rights civil and human rights i alerted XXXX XXXX of the situation they didn't make it right they just played like signing 10 signatures is part of the process to open up a safe deposit box and also telling that biz accounts were only for biz trying to make it so unfairly that a person with the right mind could not accept i've been doing biz with them for decades and they made it seem like a was knew

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 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-01
Company: Bessine Walterbach, LLP
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The debt was originally {$900.00} with XXXX XXXX Hospital, XXXX, KS. I was communicating with a woman in their financial department. I sent her information showing that because of my medical conditions and limited income, I could not pay the debt. I never heard anything back. Next thing I know, a lawyer/collection agency is contacting me, Bessine Walterbach, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, MO XXXX, ( XXXX ) XXXX. I went back to the hospital financial office only to find that the woman that was supposed to be handling my case had retired and left my paperwork sitting around. It was passed on to no one, and they claim they don't have the paperwork I sent in. They told me I had to work with the collection agency/lawyer 's office, that they could not take the debt back from them ( which I know is a lie ). The collection agency wanted over {$1100.00}. A woman higher up in the financial office said she would speak with the collection agency and get rid of the extra interest, bringing the debt back down to {$900.00}. She lied. I paid {$100.00} to the collection agency by check, but I was recovering from XXXX and on XXXX XXXX that I was allergic to ( causing XXXX, XXXX XXXX  and XXXX   XXXX XXXX XXXX ) but I had to stay on them. I missed a lot of work due to my condition, so my paychecks were small. The collection agency, of course, didn't care. They started demanding a {$300.00} payment, which I couldn't do. Next thing I know, I got an email from my bank telling me my account was garnished. I called them and found out that it was that same lawyer/collection agency. Now they want in excess of {$1100.00}, which with what I already paid them comes to over {$1200.00}. They took the last little bit of money I had for food, {$65.00}. I can not use my account or deposit anything in it because it will go to the bloodsuckers. My net pay is way less than {$1100.00} ( about {$800.00} to {$900.00} ). I received no notification, no letter, nothing. I was denied my Constitutional right to face my accuser in court. I want this stopped. I need to be able to use my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2018-11-23
Company: Experian Information Solutions Inc.
State: VA
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 received a letter back from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter indicated that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from 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 non-monetary relief
Consumer complaint received 2018-10-14
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: Personal information incorrect

Complaint:
On XX/XX/XXXX18 my credit report ( see attached ) displayed some address errors that need to be corrected. 

Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX These items must be deleted. 

Correct addresses : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NV 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 2017-09-22
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Originally I took out student loans through XXXX XXXX but my current loan provider/carrier is Navient. When I first got out of college, the people from XXXX XXXX would call me and demand outrageous amounts of money for a monthly payment. They essentially wanted 30 % + of my monthly income and it was n't a payment that I could make. They were completely uninterested in the amount of money I was making, only the amount that I owed. This forced me to miss payments and put my loans into forbearance multiple times, something that has dramatically increased the principal of my loans and negatively effected my credit score severely. At some point, Navient came into the picture, and they seemed more reasonable when working out a realistic payment with me. They set me up on a payment plan of approximately $ XXXX but I never realized that this was not enough to cover the interest alone and that none of it was going to my principal - the principal is actually still growing as I 'm making these payments so I owe more money now than I did when I first signed up for this repayment plan, even though I have n't missed any payments. The plan I am on now takes 15 % of my gross income and I am to pay for 25 years. I was originally told that I would be on this plan for 10 years before I was eligible for loan forgiveness but I have recently learned that this option is only available to employees of non-profits and public service companies, which I am not. Today I learned that, all along, there was another payment plan I could have been on where they only took 10 % of my gross income for 20 years before I was eligible for loan forgiveness and that they " apologize for no one bringing this to my attention previously ''. Simply put, this new plan would theoretically have Navient taking less money from me per month for fewer months, essentially yielding them much less money in the long run, and the woman I spoke with could n't provide me with any information as to why I was n't on this plan all along. I do n't understand why they would have even offered me the higher plan without letting me know there was another option that would cost me less and I do n't trust their explanation. I am afraid that this plan will hurt me in some way and that the woman I spoke with on the phone at Navient just was n't able to explain it to me, or refused to explain it to me. The plan I am on now is increasing to $ XXXX in XXXX of XXXX and literally has me making this payment for essentially the rest of my life without ever touching, let along decreasing, the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to take over loan my son was named XXXX on his mother estate but has a XXXXXXXX XXXX XXXX XXXX just wanted to take over loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: 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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX # XXXX has XXXX 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 a 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 seveXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2019-06-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im currently with Navient  as my loan servicing company and I have tried MULTIPLE times to work with Navient with no success and no relief in the end. Navient received my loans from Sallie Mae after the switch and I have continuously tried to work with them since XXXX the year of graduation. My original loan was for XXXX from XX/XX/XXXX with a 6 % interest rate. I have have ASKED on several occasions can I get a lower payment with Navient and time and time again I was told " I do not qualify based on my income '' and to just do a forbearance. Then I proceed to ask for the income based repayment based on the fact that I work fro the Department of Veterans Affairs Healthcare ( worked from XXXX & then from XXXX to present ) and have continuously. Again I was denied because of income and even denied based on the location at which I work. Which I thought the VA was a facility that was granted forgiveness because of income and population. Overtime, I have incurred several forbearances and now the loan has trippled in what is owed due to the forbearance and the interest rate. NAVIENT does not work with working mothers trying to stay above water on maintaining a good credit to be able to provide for her children. In addition, when you tell NAVIENT you can't afford what the payments are going to be there wonderful customer service says " how about a forbearance until while we check for applications for the IBR-income based repayment ''. Soon after you will get the denial and back to square one ... SO FRUSTRATING AND DEFINITELY SOMETHING THAT STRESSES PEOPLE TO THE NEXT LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 been banking with Huntington Bank at XXXX XXXX XXXX, XXXX XXXX MI XXXX. On XX/XX/2023. I did a balance check because I had a direct deposit deposited. My account showed my deposit. I went to Huntington Bank on this day they told me my account was closed because someone tried to falsely create an online account. I was never informed of this which they should have called or emailed me. They refused to give me my money and told me I'm not allowed to have an account anymore. This is very unfair When I had no control over someone fraudently trying to create an online account. Huntington still has not returned my direct deposit back to who XXXX  it and will not allow me to withdraw my money

Company response to consumer: Closed with explanation