BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received two packages from a clothing store, XXXX. I am a regular customer of this store. I received these packages for two separate purchases that were not authorized. I did not place those orders. They were charged on my checking account through Chime. 
XXXX. The first order was places at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
XXXX. The second order was placed at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
* Both orders were identical. 
I had XXXX on Wednesday XX/XX/22. I was not able to make purchases or anything due to the process of preparing for XXXX, etc. 
I calked Chime banking and informed them on Thursday, XX/XX/22 in the evening. 
Their investigation dept instructed me to upload documents and copies if the information from the orders. I did that. After submitting my case that evening, I received a follow up update email notification on the case stating there was no error found. 
I proceeded to call the vendor ( XXXX ) on the morning of XX/XX/22. They recommended I close my dept store card with them and change my passwords and Would try to place a block on the gift cards purchased. They were able to freeze XXXX of the XXXX gift cards. They recommended reaching out to my bank and attempt to get my money back. I even asked XXXX if they heard from my bank and they stated there is no record from XXXX  reaching out to them. 

I suspect there was no investigation on Chimes behalf because they never called the vendor. 

Ive attempted to get my case opened and investigated 3 separate times with Chime and to no avail, Each attempt would only result in less than a XXXX hour response with a no error found outcome. 
The right thing to do is to return my money. I am turning to you to make this known. How can a banking service not have a proper investigation in place fir unauthorized charges? I also changed to another banking service fearing my funds lack security and proper security service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: USI Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice today from XXXX  with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, XXXX XXXX letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt USI Solutions Inc can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who USI Solutions is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau  continue their work on Reg. F, which will help fix these predatory tactics. Finally XXXX and USI Solutions ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: McKenzie Management LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I had a withdrawl from my Apple Cash account in the amount of $ XXXX. At the time of this withdraw I already had a XXXX balance in my apple account, so I was then charged $ XXXX from my personal debit card since it was linked to my apple id. At the time of the transaction, I was well aware of what was going on and was authorizing it. The money was being subtracted from my personal checking account and being fed through Apple cash and going to the person I was doing business with. These funds were being sent to a business who managed 401k portfolios, however about an hour after the transaction took place, they went radio silent and I have not heard from them since. I was essentially scammed out of $ XXXX at this point and it was taken from my personal account, so I reached out to my bank and they were able to refund $ XXXX to my checking account directly. At this point my apple cash is now frozen at - $ XXXX due to the fact that the scammer got $ XXXX and apple is waiting for these now $ XXXX funds that were supposed to be paid by me to bring my balance back to XXXX. Now, on XXXX, I received money in the amount of {$630.00} from a close friend of mine to my apple cash account, ( which remember is still - $ XXXX ) but she sent it before I told her not to send it via apple cash. So now I cant use the money she sent me, and I cant send it back to her, nor will Apple reverse the transaction. Apple has refused to cancel or void anything, nor will they give a reason why. I now have had {$630.00} stolen from by Apple and they still believe they are correct and not in the wrong.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-26
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice today from Convergent with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, Convergent 's letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who XXXX XXXX is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau continue their work on Reg. F, which will help fix these predatory tactics. Finally Convergent and XXXX XXXX ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.

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 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 explanation
Consumer complaint received 2019-10-26
Company: ID Analytics, Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
I recently applied for auto finance. I was accepted. 
A month later I recieved a letter saying I was denied finance from another lender. 
It cited the reason as my credit score from SAGESTREAM LLC as being XXXX ... .yet i know my vredit score from the other main three agencies is 730+ why is this score so low? who is sagestream? 
I have seen multiple complaints about this company online, hundreds of consumers with the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX You are in Direct Violation of The Fair Credit ReportingAct and have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Therefore XXXX XXXX account # XXXX Should not be reporting any late payments on my credit profile furthermore, I did not give you written consent. 

Remove these late payments and update them to ( PAANL ) paid as agreed never late immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

My Identity was stolen and a car loan was created in my name. I have filed a police report as well reported this to the Federal Trade Commission. 

The following account should be deleted from my credit report immediately. 

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 2019-01-21
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have been contacting XXXX XXXX XXXX XXXX Credit Card since XXXX. 
They havew given me the run around and have refused to work with me on a solution. I have EXCELLENT credit and paid every month more than was due on my account. I had an emergency and tried to defer my interest and was hit with a XXXX penalty. I have called, emailed, and written numerous letters and the Company will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in contact with Nationstar for about a year working on a loan modification. I submitted all documents requested, yet my documents were never received or expired. In the meantime, they filed for foreclosure against my wife and I. I filed an answer to the complaint promptly. Nationstar is now seeking default against my wife. They seem to be very dishonest and deceptive.

Company response to consumer: Closed
Consumer complaint received 2019-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019 I did a cash advance of {$700.00} on my credit card. I did not use my card after the cash advance. The credit limit for this card is {$1000.00}, which left me a available credit of {$260.00} when I checked on Friday XX/XX/2019. On Saturday XX/XX/2019 around XXXX XXXX I went XXXX XXXX Station in XXXX , IN and was denied a purchase of gas and windshield fluids. I called Capital One and was informed by the staff person, I had no available credit due to the cash advance and it will take five days before the removal come off. I informed the staff person I was unaware of this policy and requesting to have the hold lift. I informed her I was in a XXXX winter storm right now and needed gas, staff person stated there was nothing she could do. She stated I apply for a increase in credit and I would get approved right then and there and I would have available credit. I explained I did not want to run my credit due to me trying to purchase a house but I did it because I was cold and did not want to run out of gas. After filling out the application the system told me I had to wait 10 days for a determination. This is not what the staff person told me. This is not right I have never been late with any of my payments, I had credit that I was not able to use in this emergency situation. Please file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In correspondence datedXX/XX/2018 I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. 

XXXX ACC # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days Attached : Copy of my initial letter to this company Copy of my id theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: EQUIFAX, INC.
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:
XXXX XXXX THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Walmart closed my account for no reason after I paid off my balance in full on XX/XX/XXXX then a week later they closed 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 explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} XXXX U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.

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 non-monetary relief
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.

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 2020-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been leasing cars from XXXX XXXX XXXX XXXX XXXX for the past 29 years my most current lease expired XX/XX/2020. I wanted to get another lease through XXXX  XXXXXXXX for another XXXX, the car i wanted was not available at the south store whom I been getting leases from the past 12 years so i called the north store and a very anxious typical salesman named XXXX XXXX at XXXX XXXX XXXX XXXX  said he will get me the car and work on the deal with XXXX as he had many friends att XXXX  and my creit was not good he me t he asked me to fill out credit app even though i told him the south store had already done so but he insisted they had not gotten a credit app, this was all done over the phone i never met this man and he insisted he needed to run the credit app because the other store had not.

What he did was when XXXX  said no he went off and ran my credit 3  times with XXXX XXXX and XXXX kept on saying NO so what he did without my consent was he sent my credit app to XXXX XXXX, XXXX XXXX  and some other company XXXX plus he submitted the app 3 times to XXXX. I NEVER said i wanted to buy a car to run my credit from someone else but he was so desperate to make a sale he was trying on his own to get me anywhere without my knowledge and consent and i am very angry because my credit score dropped 16 points because of his actions. I have submitted disputes with all credit bureaus and they will not remove those inquires they say that only XXXX XXXX XXXX can remove them and that is not right i am still without a car trying to raise my score back and it has been over a month since this happened which has caused me lots of problems as i desperately need a care, i take care of my XXXX year old mom who is very ill and i can not even get a car but more than that the nerve of this salesman to go ahead and submit my credit app which was meant ONLY FOR A XXXX XXXX lease to all of those other places i was very specific when i was doing online the application NOT TO send to anyone else as I know how that goes with gritty sales people and he assured me he told me he will only send it to XXXX, obviously he did not. Please, i need these inquires unauthorized without my consent or knowledge they must remove from my credit those inquires we consumers have to deal with this and the credit bureaus take from granted anyone 's inquire without the customer knowledge i have never purchased a car i have been leasing cars for 40 years and i don't know where this man got that, he will get me approved to buy a car. please help me please. thank you

Company response to consumer: Closed with explanation