BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An account was opened under my name ( XXXX XXXX ) and my email ( XXXX ) at the neo-bank Chime Bank. I had never heard of the bank before and had not signed up for anything with them. I received a new member bank card in the mail from them with instructions to activate it. I was at once confused and wary. 

Shortly after I was notified that the phone number and account information for the account had been changed. I have not at any time had access to the account, but I was still getting updates to things happening with the account, including deposits and messages. 

I emailed their support email to get the account closed and recieved multiple messages back asking me to confirm the email associated with the account. I knew what email was associated with the account because this was the email all of the chime bank updates were coming too ( XXXX ). Each time I emailed them the information I was met with a new email -with a new name in the email signature- asking for the same information again.

I ended up calling their help line where the representative ( who did not give me their name ) told me the only way to close an account will be to give them the last 5 digits of my social security number and full name. I told them I never gave them that information so it wouldn't match their records anyway and that this seemed scammy enough that I was hesitant to provide such information. Even my legitimate bank has never asked for more than the last 4 digits before. They said they found my account but could not close it until I confirmed the social security number associated with the account. I asked them if they could remove the email from the account since it was not my account and I had not opened it. They told me again they could only do that if I gave them my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 instruction

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 2023-08-21
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax reports limited credit experiance on reporting due to which i am not able to get the requred loans for my personal and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
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: Other problem

Complaint:
From the end of XXXX ( When I no longer had a cell phone ), I tried to get my password so I could get into my online account at Chime. I kept getting asked for copies of my drivers license, a picture of me holding the license and a piece of paper with the current date on it, and something else I do not remember at this time. Not having a phone I could only take and send pictures with my Laptop computer. Chime kept complaining the pictures were fuzzy, try again. This went on and on. All I wanted was to get into my account so I could see what was happening. Finally, at the end of XXXX, some kind woman said she could not get me in but if I used a different email address she would be able to get me in that way. I came in with a new address and checked my account which I had not gotten to before and saw a bunch of charges I had not made. This was, by now, XX/XX/XXXX. I called them into Chime and they said they would check them and I should have an answer by XX/XX/XXXX. I am not in a position where I can afford to wait XXXX months for money stolen from me with Chime 's help. They know I couldn't make those charges because they were all made before I had access to my account. And Chime gave them permission to do so. Normally, when I charge anything, Chime sends me a text asking if I made the purchase and I have to answer yes or no. Since I didn't have a cell phone they could not text me and just XXXX 'd every thing. So I am now paying for charges for a phone service I never heard of, for XXXX deliveries by XXXX XXXX  and XXXX XXXX. I There were charges for thing completely out of reason for me to buy even if I could use my account and they know I couldn't use it. I keep calling and telling them I need the money now and they keep telling me XX/XX/XXXX. My auto insurance was cancelled because it is an automatic monthly deduction and there was no money there to pay it. I am now getting letters from other automatic deduction companies wanting their money and I don't have it. My refrigerator and pantry are empty and I will have to go to the food bank on Saturday, but starve until then because I have run out of cash. All I want is the money stolen from me, returned to me NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED THIS FRAUD ACCOUNT ON MY CREDIT REPORT.INVESTIGATE FRAUD ACCOUNT AND DELETE! 
ACCOUNT NAME- XXXX XXXX XXXX DATE OPENED- XXXX STATUS UPDATED- XXXX ACCOUNT # XXXX LAST PAYMENT DATE- XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT " FAIR CARES ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please remove XXXX XXXX XXXX from all credit bureus. This was placed on my credit reports incorrectly. THE ACCOUNT DOES NOT BELONG TO ME.

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 2023-08-20
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2018-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the process of getting a mortgage lender is having difficultys getting my credit report from equifax. Ive have called equifax to fix these issues they told me to send in my information. After sending my documents multiple times they are unable to find a credit file under my name. I currently have open accounts under my credit report dont understand why arent they able to release my credit information to my lender. After many weeks trying to get this problem fixed I have yet been able to get a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: SC
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:
Please help. I am so frustrated that this continues to occur and XXXX indicates they can't help me. They refer me to call Citibank and Citibank tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write Citibank in SD and request deletion of the items on my credit report. I did that in XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from Citi CBNA, XXXX XXXX XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: CA
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 accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2018-01-18
Company: Time Investment Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Time finance is still reporting this old debt as open.. this account has been sold and paid in full by a 3 rd party ... I contact time finance and told them that this account was paid and should be removed from my credit report and the rep stated that the account still says I old owed them which is fraudulent this old account needs to be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX was loan officer  XXXX, I closed on my house with XXXX  XXXX XX/XX/. This documents you see that I am uploading are not associated with first time home buyers program, financing XXXX. Approved financing XXXX, dselp, cda, dpa financing loans placed against my house 1st, 2nd 3rd liens. He was working with XXXX XXXX  at the time he as since relocated to a northern bank. The scamming begun the first day, being deceptive, financing loans with out my knowledge and consent. XXXX XXXX  email is XXXX. this is where the beginning of the scamming begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I submitted pslf forms seeking certification and forgiveness under pslf. I was denied because MOHELA didn't certify the payments as per one of my forms. I called and the process was put under review on XX/XX/XXXX. I looked recently and the review process was " cancelled '' without any other information. 

This is absurd. My loans should already be forgiven because I have certified more than 120 payments while employed for a nonprofit. This should have been completed months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Yamaha Motor Finance Corporation USA
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into contract with YAMAHA MOTOR FINANCE on XXXX, with finance amount of {$3100.00}. for 60 months which would be duration date of XXXX. It wasn't until of the global pandemic that I started to have issues with payments from the months of XXXX and they came to repossess in XXXX which I was under the impression that due to COVID19, the company was allowing you to catch up. However, my unit was repossessed in XXXX, in order to get my unit back, I had to bring the account current plus repo fees which was paid on XX/XX/XXXX in the amount of {$1000.00}. That amount brought my account current and the remainder of the loan was still due, I never took a settlement nor did I pay less than the full amount owed on this account. I have called Yamaha Finance several times and submitted several disputes and they are reporting this as " settled for less '' which is not accurate. I never once agreed to settle, this account should be reported as paid in full or be deleted from XXXX, XXXX, XXXX credit reports immediately. I have asked them to provide written statement/proof that I did not pay this full amount or settlement and they have not as of date. I have also requested full payment history that shows I paid a total of {$4.00} and I have paid this off before contract duration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NY
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:
filed ftc report for unauthorized inquiries and for them to delete addresses that are not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
- In the XXXX week of XX/XX/XXXX I replaced my debit card with my Wells Fargo Bank. Card I did not receive. 
- XXXX weeks later, I received a text, It was a notice from my bank that I had declined a transaction because I did not have sufficient funds beyond the required minimum. On XX/XX/XXXX I realized that my entire savings of almost {$8000.00} had been stolen. They just printed out the statement and told me to file a fraud report over the phone. 
- After that, I called to suspend my card and file a fraud claim # XXXX. Of course, they denied my fraud claim. I spent days and hours calling to different numbers to get an explanation or asking for a process to follow in order to get my money back. I have been only getting excuses and not being able to speak with someone that wants to help me, they always keep telling me, someone is going to call you to your phone number ( Never received a call ). 
- The explanations for denying my fraud claim are mainly someone activated my card with a correct pin, and the transactions were realized in the area where I live. 
- I filed a police report # XXXX on XX/XX/XXXX reporting the situation, that someone stole my card and took all my money. 
- Then by my own, I find out that my mail has been manipulated, not sure if there is someone in the property where I live. I also present a claim with them XXXX. And that someone activated my card on XX/XX/XXXX in an XXXX in XXXX / XXXX XXXX XXXX XXXX XXXX, California XXXX United States ( XXXX XXXX XXXX. 
-In the middle of this situation, I tested positive for XXXX, not being able to work, with no money and nobody helping me. And also, they are charging me extra fees for no having enough money in my bank account. 
- The last update to my case was on XX/XX/XXXX, I went to the bank where my debit card was activated in order to get the videos of the person, or a detailed investigation to probe that It was not me and that I need my money back. I also present a Service Claim # 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 2018-08-09
Company: EQUIFAX, 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 filed for Chapter XXXX bankruptcy in XXXX of 2017. The courts were automatically taking payments out of my payroll checks ( bi-weekly ). For some reason in XXXX of 2017, the courts dismissed my case. My creditors came after me for payment and I settled with most of them. 

My complaint is that I would like for the negative public record to be removed from my credit report. 

The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Can you please check in to this and provide me with an update? Thank you!

Company response to consumer: Closed with explanation