BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received my first direct deposit, from my Texas XXXX XXXX, for Pandemic Unemployment Assistance. I had been receiving the money via XXXX XXXX  XXXX, since XX/XX/XXXX. I had to recertify after the bill was left unsigned on XX/XX/XXXX. So I have a legal right to receive the benefits. 

The VERY NEXT DAY, after receiving my money, on XX/XX/XXXX, Chime placed a hold on my account for suspicious activity, regarding my PUA. I gave them all if the necessary information regarding my new address, since I subsequently moved to California, since I couldn't work in XXXX due to Covid. I provided my XXXX XXXX from Texas XXXX XXXX, My State of CA XXXX, my Social Security Card, and proof of address, with a letter from the management company of the apartments I reside in. They then questioned me as to why was my spending for 2019 in XXXX, to which I explained my school and Apprenticeship. They keep running me in circles, neither accepting the documentation provided, or by closing my account and refunding what was left. I was then told by XXXX, XXXX, and XXXX, to resubmit the information on four different occasions. After talking to representatives and supervisors at the Chime Customer Call Center, and resending my information over and over again, they ubruptly ceased communication with me. I have been told that XXXX has policies in place for suspected fraud, and my account had raised red flags. However, they are now refusing to return my money, or reopen my account, that I have given all necessary proof to show that the funds deposited are legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an alleged debit with NCB Management Services to all three credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting the validate the the debt ( per the FDCPA ) by providing the following information : -an explanation of what this alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 I received a letter from the collection company simply stating the conducted an investigation and are unable to substantiate the allegations of my dispute. They requested I provide them with additional information. They completely ignored my letter requesting they validate the debt. Therefore, they are in violating of FDCPA Section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following inaccurate addresses : 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 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 Please delete the following inaccurate XXXX XXXX : XXXXXXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX XXXX XXXX XXXX XXXX  ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} 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. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX for {$140.00} 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 a account without my written instruction. 



In accordance with the Fair Credit Reporting Act XXXXXXXX  account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: DISCOVER BANK
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In dealing with Discover Student Loans, I have found it impossible to remove my parent/guardian as a cosigner from a small student loan (with more than 48 consecutive on-time payments). I have applied twice to get my parent/guardian removed as cosigner, and each time, Discover provided me with conflicting information about whether this person was removed or remained on the loan. Once I was told my parent/guardian was removed. Twice I was told that person remained on the loan. I have zero confidence in their cosigner review/release system. Questions specific to the review process inquire about age and career level, which I believe can be used to discriminate. I have a high income, low debt ratio. My credit score is considered excellent, and I have had a full-time job for with above average income for several years. Still, I cannot get a cosigner to be removed from a $XXXX  undergraduate loan. I want CFPB to look into the process by which Discover Student Loans grants applicants the ability to remove a cosigner. I believe they are taking advantage of the system and denying requests outside their rules and guidelines. And I believe that they are discriminating against applicants on the basis of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022. I noticed 2 charges that I didnt make. I called Chime to the dispute the charges. On XXXX XXXX  I was denied. I received an email stating since my card was in possession there was no fraud. I disputed again and was told todayXXXX that it was again denied. I was told to send supporting documents to show I was not in Texas and California where the charges were made. Im a XXXX XXXX on a fix income. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH COLLINS ASSET GROUP. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Mislead by sales reps to open their credit card only to be denied the " promised '' and advertised discount. 

When I went to the store the clerk convinced me to open a Kohls charge card for the additional discount. I was hesitant but figured what the heck I need a discount on my purchase. She said the discount would apply to the ENTIRE Kohls charge purchase. So I opened the credit card but I wasn't purchasing enough on that particular order and had another coupon to use. I asked if I could wait to use it and she said yes it is saved in my app. Sure enough ... there it was. 

Today, XX/XX/2017, around XXXX pm my wife and I went to the store. I told her I had this coupon for our entire purchase. She asked me what it excluded and I didn't know. So I open the app and see that it has XXXX exclusions. When I look for exclusions it simply says entire charge card purchase. So we shopped for about 30 minutes. Picked out work out clothes and some shoes. Go to the front scan the items ( {$620.00} ). The clerk asks if I have any Kohls cash and I responded no. She asks if I wanted to open the credit card and I said I already have one, in fact I want to use the coupon. Then she scans it and says it excludes these items. I responded by saying it has no exclusions and I even pulled up another coupon WITH the exclusions. She agreed it was weird but could not offer an explanation. I told her I ONLY opened this credit card for the additional discount and now I have been damaged with a credit app that lowers my score. I asked to speak with the manager and she calls over a female manager named XXXX. She also agreed and said she would do nothing for me. At that point I was embarrassed and frustrated so we left the store. However, it is unacceptable to sell a credit card under false incentives. I want an answer for this and I want everyone to know that the Kohls credit card is a rip off because you will not get what you are promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX Experian XXXX XXXX, XXXX credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



XXXX Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX through Chase bank to send money to a person through XXXX for the purchase of XXXX XXXX XXXX. The person gave me the name to send it to, had a Legit XXXX profile, and was in my U.S. based XXXX group online. My money was flagged. I called the bank and told them it was to pay for chicks. They didnt tell me if the transfer was leaving the country or anything like that. Of course the XXXX profile blocked me and I realized I was scammed out of {$200.00}. I have no way to report this person. I have no way to get my money back. I have no way to help stop this person from scamming others!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
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:
I have notified all three bureaus that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: TN
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 ; XXXX XXXX XXXXt Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Lowe 's XXXX Credit Card/Synchrony bank credit card. When I applied for the card back in XXXX of XXXX, it had a low introductory rate ( 9.9 % I believe, but can not remember for sure ). It was supposed to go up to 15 % after the term was over. I applied for {$1000.00} USD and they have slowly increased my available balance to a current amount of {$4700.00} without my authorization. Recently, I noticed that I was paying {$200.00} per month and the balance was only decreasing by {$110.00} something a month. The balance was approximately {$2500.00} when this was noticed and I since opened a new card from another company to pay them off. When I looked into it, They were charging me interest and a fee for unemployment insurance ( I did not apply for unemployment insurance ). When you figure the current rate they were charging me monthly, it is at 40.99 % ( 25.99 % for interest and 15 % for the unemployment insurance fee ). I researched a bit further back and it shows this rate since before XXXX ( I don't have any records that go back farther than that ). This is an incredibly far stretch from the 15 % that I agreed to. Can someone please look into this company to see if it qualifies for predatorial lending practices? I am aware that I am not eligible to receive compensation for the inflated fees and interest, but I would like to prevent others from having this done to them. An increase of 25 % over what I agreed upon when I accepted the card. I may have missed the correspondence notifying me of the increase. I have excellent credit ( XXXX ) and have had it since before I applied for this card.

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 2019-08-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I applied for Paypal credit - A Digital Credit Line through this link on XX/XX/2019 and made $XXXX in payment to an online businessXXXXThis is the promise:Get No Interest if paid in full in 6 months on every purchase of $XXXX or more.No card needed. Easily access PayPal Credit right from your PayPal accountThen my first statement I noticed that the minimum payment on $XXXX was $XXXX  and the amount that I needed to pay to avoid interest charges was $XXXX. I called XXXX   on XXXX XXXX and spoke to 2 representatives one in XXXX  and XXXX in Kansas to dispute this and they said that my payment was being treated as a cash advance subject to 26.24% interest rate.The final representative XXXX ID#XXXX said nothing could be done and gave me an address to write to:Corporate Escalation PaypalXXXX XXXX XXXXXXXX, FL XXXXThis is the definition of bait and switch and a predatory lending tactic.

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 2023-04-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$310.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: LEXISNEXIS
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an online savings account with Citibank. As part of the account opening process, I transferred a substantial amount of money into the account. At the conclusion of the process, I received an error message and was never provided a full account number. I only received the last four digits by email. However, I did receive notice from my transferring bank that Citibank has received the funds. Without the full account number, I cant get online access to my account, and cant even get access to my account over the phone. I am told I am supposed to wait another 7-10 days to get my account information in the mail before I can access my account, which would mean the bank does not give me access to my funds for up to 14 days after I open up the account. This is a scam. The bank is putting all sorts of roadblocks up so that they can hold my funds and not provide me access to my accounts for weeks. The online application process misrepresented that I would have immediate access to the funds online, which is not true. I had to call over 5 times, and repeatedly was disconnected without my consent. I requested to speak to a supervisor, and was eventually connected to someone named XXXX, who refused to give her last name, but provided the code XXXX. She said I could not access my account until I received the full account number in the mail. I asked to speak to another supervisor and she said it would take them 3 business days before someone could call me back. Citibank has grossly misrepresented its terms in the application process. This is a scam that could be very, very harmful to consumers if they transfer funds into an account based upon representation that immediate access to funds will be provided, when in reality the bank wont give you access to your money for two weeks or more.

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