BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Inaccurate information on 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 explanation
Consumer complaint received 2021-08-20
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account with Chime. Due to an issue with my camera not obtaining a clear picture, the process went no where and timed out. 

Upon contacting support, they asked for standard information. Pic of drivers license, front and back, and last 4 of social. No big deal.

They then inform me they are unable to assist me unless I send a picture of my social security card. I refused - emailing a company 's generic support inbox your entire social security card is against customers protection. 

I asked for a secure location to upload the documents to - they reiterate to email the pic. I point out Chimes company policy. I point out IN THEIR EMAIL SAYS CHIME WILL NEVER ASK FOR SOCIAL SECURITY NUMBER! They continue asking for a picture, and refuse to assist unless I send them a picture of it. Through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm submitting a complaint against Sequium Asset Solutions or XXXX XXXX XXXX, XXXX for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX  ) to ( Sequium Asset Solutions or XXXX XXXX XXXX. ) authorizing ( Sequium Asset Solutions or XXXX XXXX XXXX. ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX ) by ( Sequium Asset Solutions or XXXX XXXX XXXX ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took a loan out with this company Speedy Cash for XXXX around XX/XX/2018. The company. This company was allowed to take deductions every third of the month. In XX/XX/2018 I enrolled in to XXXX XXXX XXXX in order to pay my bills Each company submitted how much I owed at that time. This debt company has been working to settle all of my debt. I recently applied for a credit card and was denied due to this company sending this account to collections. I have made 3 payments of XXXX and after enrolling in this program this company took and additional XXXX from my bank account. I had to close this checking account of 15 years to prevent this company from taking more money out of my account Speedy cash was aware that I was in this program and Im still in this program nowThey have been reporting a higher amount owed of XXXX on my XXXX Credit Report. I didnt get credit for any of my payments made to them. This amount is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am an IDENTITY THEFT victim. A family member, who is now deceased, used this credit card to pay off debt on other credit cards. He committed suicide in XX/XX/XXXX. I have sent detailed documentation to XXXX and their first collection agency, XXXX. XXXX ceased collection efforts, and now, even though I sent XXXX detailed documentation, including my report to the FTC, XXXX has hired another collection agency. This group says they have contacted me three or four times about this debt, beginning inXX/XX/XXXX, but I HAVE NEVER HEARD FROM THEM BEFORE THEIR LETTER OF XX/XX/XXXX. Why would they make such a bizarre claim? I do not know to what address they sent letters, but I did not get any from this group ; EVER until XX/XX/XXXX. I am XXXX, and my only income is SSD and a pension. I made a settlement offer to XXXX, which they ignored, and continue to come after me. I have had several XXXX XXXX XXXX, and XXXX relapses due to this harassment. I feel that I have no way out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Universal has my account listed as closed instead of paid. It is impacting credit score

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 2021-08-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
this car was reposessd in XXXX aroud there. td auto needs to update correct balance.. car was sold on website www.carvana.com in XXXX all you have to do is type the vin number online like carfax and you can see car was sold. 

td is trying to sue but i already filed a motion to vacate cause td never served correclty im gonnna i hired a f.c.r.a attorney to sue td auto remove this account off my credit and stop lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

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 2018-02-07
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BALANCE : {$10000.00} Dear XXXX, We intend to proceed with legal action to secure the balance you

owe on your Discover Personal Loan as shown above.
You can resolve this by calling us to make acceptable payment arrangements. 

If we do not hear from you by XXXX Eastern Time on XX/XX/2018, your account will be forwarded to an Attorney to file a lawsuit against you. Our representatives are available Monday-Friday from XXXX to XXXX, Saturday XXXX to XXXX and Sunday XXXX to XXXX Eastern Time. 
CALL NOW AT XXXX BEFORE YOUR TIME EXPIRES! 

Should your Discover Personal Loan agreement require Discover to provide a notice of Claim then this letter shall serve as notice of Discover 's claim against you. The transactions making up your account balance have been sent to you in your monthly account statements. 

Sincerely, XXXX XXXX Operations Director Discover Personal Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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:
I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX  XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX  XXXX {$3300.00}

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 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following companies used my credit without my consent : XXXX XXXX, personal Inquiry date : XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/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 2021-08-20
Company: Self Financial 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. 

Although I was able to obtain my XXXX credit report TransUnion refused to provide report through this site without explanation. I reached out to TransUnion directly and requested an explantion and copy of said report to date TransUnion has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My niece, XXXX XXXX, is XXXX. I have been her financial guardian for four years. We have been working with her and with her XXXX to get her to the point where she is able to manage her own finances. Until such time as her XXXX signs off on the change to remove me as her financial guardian and transfer full responsibility to her, XXXX SSI and XXXX payments come to me. 

One payment is direct deposited onto a pre-paid debit card. We have had problems setting up her other payment as direct deposit. As such, I still receive a physical check for her every month. 

Every month, I take the check to my bank, Wells Fargo, and cash it. The money is then deposited into a separate account, currently at XXXX XXXX XXXX. 

On XX/XX/XXXX, I went to Wells Fargos XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to cash her check as usual. For the first time, Wells Fargo refused to cash the check, claiming I had the wrong type of account for this type of check, and that I would have to open a new account. I asked why I was not notified of the change in policy, I was told there was no change in policy, that this had always been Wells Fargos policy. When I said Wells Fargo had been cashing these checks for four years, the branch manager told me Wells Fargo had been violating the law for four years, that this specific type of account was required by law. I repeatedly asked for a written copy of this policy, Wells Fargo repeatedly refused, although they did show me something on a computer screen which they claimed was the policy. 

I asked if this type of account carried fees. Initially, the branch manager balked at answering my question, but eventually, reluctantly, admitted this type of account came with fees, but assured me the fees would be waived if we kept a {$1500.00} minimum balance in the account. 

{$1500.00} is nearly two months of XXXX/SSI payments ; it would be impossible to save that much money. Even if we did manage to save that amount, as the branch manager would have been well aware, the first time a deposit was made bringing the balance to {$2000.00}, under federal and California law, my niece would lose her XXXX/SSI payments. 

Wells Fargo is again ( still? ) trying to force customers into opening accounts they dont want. This particularly example indicates Wells Fargos attempt to take money from the XXXX under false pretenses.

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 2018-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
When attempting to link my Capital One Credit Card it will not allow me to link my card to my trim account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: OH
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 multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX 2 )  XXXX XXXX XXXX ( XXXX/XXXX/XXXX 3 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) Chase card ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 )  XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 9 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 10 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 11 ) XXXX XXXX XXXX (XX/XX/XXXX6 ) 12 ) XX/XX/XXXX ( XXXX/XXXX/XXXX ) 13 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 14 ) 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 2017-12-08
Company: Southwest Credit Systems, L.P.
State: TX
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:
On XXXX/XXXX/17 around XXXX XXXX I received A CALL FROM A REPRESENTATIVE BY THE NAME OF XXXXXXXX XXXX ( NAME WAS N'T CLEAR ), AS I KEPT REQUESTING XXXX TO DISCLOSE THE REASON FOR THE CALL HE FINALLY TOLD ME THAT HE WAS ATTEMPTING TO COLLECT A DEBT, AND KEPT ACCUSING ME THAT A DEBT BELONGED TO ME. I QUICKLY MADE XXXX AWARE THAT HE WAS IN VIOLATION OF FDCPA RULES AND REGULATIONS AND REQUESTED HIM TO REMOVE ME OFF OF HIS COLLECTIONS LIST. THE DEBT WAS FRAUDULENT AND I HAVE KNOW KNOWLEDGE OF THE DEBT, AND ALSO ASKED HIM TO STOP THE HARASSING CALLS AND TO CEASE AND DESIST ALL COLLECTION EFFORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Account information incorrect

Complaint:
Working hard to pay off debt. XXXX and XXXX scores moving up. Equifax decreased my score by 25 points. Inquired about changes. There were 8. One card increased my credit limit. 7 credit cards had decreased balances. Equifax continues to decrease my score with out merit. Equifax should be responsible and accountable for decreasing Anyones score without fact based reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ENOVA INTERNATIONAL, 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: Account status incorrect

Complaint:
NET credit continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was sent a check by a company who was hiring on XXXX. I went to cash the check assuming its real on XX/XX/2019. I didnt take out any of the money from the check as there was a chance it could have bounced which would have caused me to go into debt. A few days after, my account was frozen and closed. I had called the CHASE security team at XXXX XXXX XXXX XXXX XXXX and they had explained to me that my account was frozen because of the check being fake and it was automatically closed due to being frozen for 10 days. They had said that they will send a check for the account balance and I can just reopen another checking account. When I went to open another account, the teller had called to make sure that I was still in good standing and their department said yes. I was able to make another account on XX/XX/2019. 2 days later, my account was closed yet again by CHASE and I called yet again and they had said that CHASE has terminated the relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: DFC Global Corp.
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: Account status incorrect

Complaint:
Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX   XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation