BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Lendmark Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased one vehicle from these individuals in XXXX XXXX 's little did I know that the vehicle needed a new motor shortly after purchase so I went back to the XXXX XXXX 's office to see about securing a personal loan of XXXX to repair the truck so after getting the loan I had the truck repaired 3 days after getting the vehicle back it was totalled by no fault of my own I did purchase the gap insurance and I was having difficulty making the payment I was told by the manager to let it get behind so I could do a differment so I did now I'm being penalized for something I was told to do I have tried to refinance but to no avail because they refuse to send any paperwork to the bank all the above money due has been reported to the credit bureau and it shouldn't be it all should have been resolved between the gap insurance and XXXX paying the truck off so now they continuously harassing me about making these payments what's really going on are they allowed to just do what ever they want? 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Chime Financial Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXX XXXX  out of the account on XX/XX/XXXX. I have 81 emails with chime trying to resolve this issue since XXXX. Chime responds back with a generic email stating the information has been updated even though it hasn't. In one of the emails chime admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and XXXX, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that Chime has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXXXXXX XXXX I owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX I called chime and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX from XXXX, my account had a XXXX balance. my credit XXXX XXXX XXXX  was never a negative balance, you add money and you spend the money you add. Please scroll down to page 4. I reported chime to the XXXX Chime stated to the XXXX upon closure XXXXXXXX XXXX was debited and posted to my account. Chime. I attached the statement of that, chime is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, Discover Financial ServicesXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23 at approximately XXXXXXXX XXXX I was contacted by someone stating they were a Citibank representative calling about suspicious activity with my debit card ( an Office Depot charge for {$1000.00} ). The number that called me was a XXXX number that matched the citi fraud phone number. They had all of my banking information but asked me to verify a few things for them. They also told me my XXXX was compromised and that {$15000.00} worth of transactions had been made through my account. At that point they said the bank was crediting me this {$15000.00} in order to cover the XXXX transactions but I would have to XXXX the money in order to cancel the fraudulent transactions. When I checked my account there was a citi credit for XXXX that I assumed was put there by the bank. I was told to XXXX various amounts that added up to this XXXX. I was told I was XXXX the citi bank supervisor ( XXXX XXXX ). 

Once the call was done, I contacted Citi to confirm it was actually the bank I was speaking to. I then found out there was no record of anything that just happened. In fact, someone had called Citi pretending to be me to take out a personal loan for XXXXXXXX XXXX  as well as open two additional checking accounts in my name.

I disputed everything that same day and froze my accounts.

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 2023-09-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 and XXXX XXXX I purchased 2 item from XXXX XXXX for the amount of {$480.00} each totaling {$970.00}. After a couple of days I realized, I no longer wanted the items and contacted XXXX XXXX to set up a return of the items where they provided me a tracking number to return the item. I successfully dropped off the item but XXXX XXXX has yet to send me a refund for the item almost 2 months later. I contacted JP Morgan Chase and they denied my claim twice despite providing details that I not only returned the item but XXXX XXXX even sent me a confirmation email confirming they would refund me but they never did. 

The claim numbers with Chase were XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-08
Company: Experian Information Solutions 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:
we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXX, XXXX and experian.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting act XXXX 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 a 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 explanation
Consumer complaint received 2020-03-04
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
I was disputing a Bankruptcy on my credit report that XXXX   verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them XXXX stating they were able verify that bankruptcy from my credit report by verifying it with a third party called LexisNexis. So on XX/XX/2020 i sent LexisNexis letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. As of today XX/XX/2020 i have not gotten a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Coinbase account holding {$20000.00} in XXXX and XXXX of XXXX. While trying to make an additional purchase of XXXX with a bank account linked to the coinbase account I accidentally overdrew my bank account. Giving an insufficient funds notice for {$1500.00}. When I tried to use the buy sell feature on my coinbase account on XX/XX/XXXX. It said I needed to cover the {$1500.00} from my attempted purchase of bitcoin that had insufficient funds in my bank account. 

I completed payment of that {$1500.00} from my USD wallet on coinbase. It said thank you for payment and showed that I owed {$0.00} Assuming that I had now unlocked use of my account and access to my funds I was surprised to see that I got a message saying Payment required. 

When I click on that message it says that I owe {$0.00}. 

I contacted coinable customer support by phone on XX/XX/XXXX and they said my case would have to be looked at by a specialist. They gave me absolutely no timeline of how long this could take for me to have access to my funds. After speaking with phone support i was sent this email : Hi -- -, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 


I called customer support the next day and was met with basically the same answer that they have no idea how long it could take for me to have rightful access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-09-29
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account info Account name XXXX XXXX  Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2023 Status Open. {$1.00}, XXXX past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$4100.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$440.00} Credit limit {$3200.00} Highest balance {$4100.00} Terms Current / Terms met 30 Past due 30 days 60 Past due 60 days Payment history guide 60 days past due as of XX/XX/2023, XXXX XXXX 30 days past due as of XX/XX/2023 By XX/XX/2030, this account is scheduled to go to a positive status. 

Balance history XX/XX/2023 Additional info As of XX/XX/2023 your credit limit/high balance was {$3200.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning theres a problem and he can not move further with my application. He mentioned EOS CCA  is a new account and I have to fix this problem. There is an account listed on my credit report that just popped up under EOS CCA collecting for a company called XXXX XXXX for {$380.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANCIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called EOS CCA. All this happened under 30 days ( see attached screenshots ) so how would EOS send me a right to dispute or explain my rights. The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, XXXX of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the middle of buying a home. My Credit score is very vulnerable right now. I contacted the collection company Receivables Performance Management ( RPM ) back in XX/XX/2021. We agreed on a settlement of XXXX. The arrangement was to be made in two payments which were to be deducted on XX/XX/XXXX and XX/XX/XXXX. I called and made the XXXX payment early. The XXXX payment was deducted on the XXXX which would have completed my debt with the company. However right after the second payment was made, the collection hit me credit report and dropped my score XXXX points. This should not have happened. I was told that as long as I was in good standing with the collection company and made the payments on time this would not hit my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: MCMC Auto LTD
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have asked to speak with members of management several times and have been denied, they failed to discuss hardship request Regarding vehicle malfunction that was supposed to be covered by wasn't, account managers are rude and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX. com overcharged my accounty by {$27.00} on XX/XX/XXXX and XXXX XXXX. 
I called my bank, Huntington, and they were supposed to credit the XXXX  withdrawl as soon as it posted to my account, the first charge of {$9.00} posted today, XX/XX/XXXX, and now HUNTINGTON LIED, AND REFUSED TO CREDIT THAT POSTED AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
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:
this company chase ( JPMCB CARD ) clams my account is closed and charged offed and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a bureaus letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX  XXXX Balance : {$480.00} XXXX  XXXX Balance : {$580.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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