BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A CHIME banking debit card was sent to my parents ' address with my name on it. I did not request an account be opened. They have my social security number, telephone number, name, and address. I tried to contact them via telephone to close the account but you can not speak with a human over the phone. They direct you to a website and email address, that are the ONLY way to get human support. I did not want to give them my email address so I reached out to the XXXX and filed a complaint ( XX/XX/2021 ). Chime claimed that they can not close my account without a photograph of the debit card, and all my personal info like address, etc. I sent them a photograph of the card. I requested ( 1 ) confirmation that the fraudulently opened account in my name is closed and ( 2 ) information on how the account was originally opened, since this entity used my social security number. I never received replies from Chime. I requested this information multiple times and have not heard back. I believe Chime is opening accounts without running credit checks because my credit has been 'frozen ' for a few years since the credit agencys were hacked. They should not have been able to open an account had a proper credit check been performed. I still don't have confirmation the account is closed, but it was HARDER to close the account than open it. Chime should be investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX on my credit report with Transunion. In addition, on XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX XXXX on my credit report with Transunion. The addresses in question are still reporting under my name and social via my personal credit profile.

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 2021-05-25
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX ( XXXX as it shows on my credit report ) is not properly reporting my account to Transunion the same as it is reporting the account to Equifax  and XXXX. Recently reached out XX/XX/XXXX to both XXXX  & XXXX to understand why my account is shown as a negative closed account while Equifax and XXXX  are shown as a positive paid account. Neither party wants to take ownership and/or attempt to correct the issue. 

Have been disputing negative items on my account using XXXX beginning around XX/XX/XXXX & with clear instructions to have these negative items removed the credit bureaus ( XXXX, Equifax & XXXX  ) have yet to remove these items and are not following the law based on the Fair Credit Reporting Act which states information on my credit report must be reported 100 % equally across all three bureaus. There are clear inaccuracies with these accounts such as different balances being reported & account numbers not matching, and they have yet to remove them. I am on my 5th set of dispute letters with them & either : A. ) the accounts arent being removed based on the FCRA and/or B. ) remarks are being removed then placed back on my account with little to no proof that the information is accurate. I am highly disappointed with how the credit bureaus have been handling these disputes & demand they abide by the FCRA to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 believe that I had made my payments when I received my statements. The reason could be that my monthly statement did not get to me or the payment was not applied as fast as expected. I noticed that the money has been deducted from my checking account on the months marked late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Report Number : XXXX XXXX Date Generated :XX/XX/2019 Account Name TOYOTA MOTOR CREDIT CORP Account Number XXXXXXXX Toyota has me listed as an account holder on this account, i was not an account holder of this account and am formally requesting this account be removed of of all 3 bureaus thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a check through the mail last XX/XX/2021 as payment for artworks that I have made. The amount that I received was {$2300.00}, more than the amount that I asked for, {$400.00}. I tried depositing the check with my XXXX XXXX XXXX XXXX, but it was not going through. I also tried depositing it through ATM, but it said it can not accept the check. So I proceeded to the bank, and initially asked why it was not going through. According to the teller, the computer was not telling why but they deposited it anyway. 

The amount reflected on my account, and the scammer told me to send over the money. I was confident about the amount in my account because the teller from the bank deposited it and it was fine. I was able to send a total of {$1400.00} through Zelle in multiple transactions and {$890.00} in total through XXXX in two transactions. 

Last XX/XX/2021, I called the bank because of the negative amount in my checking account. I called multiple times for them to tell me that it was a bad check and I was responsible for it. They said they could not do anything about it. In one of the calls, an agent suggested for me to make a dispute on Zelle and XXXX. 

I contacted the person whom I sent money to through XXXX. They said they will refund the money. As of the moment, I have received alert that I will be able to get {$400.00}, but no update yet for the remaining {$480.00}. 

I also reached out to the person whom I sent money to through Zelle named XXXX XXXX with Zelle email XXXX. He claimed that he did not know me, and that his Zelle account was hacked a month ago. He also claimed that he is not using it because he can not log in. 

I have also filed a report through Zelle. It is the most unhelpful report system that I have ever seen. There is no case number and no date to let me know any updates from the report. It also said that " for security and privacy purposes, results or actions of our investigations will not be provided. '' How am I going to even get an update, or event track my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TD BANK US HOLDING COMPANY
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 contact XXXX 's on several occasion ( spanning a 1 year period ) regarding Acct # XXXX. 
The above mentioned account was opened in the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX They have send me several corresponded claiming the account was validated & verified however my request for proof of that validation process has been unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
There is a collection on my account that does not belong to me that is being reported by Portfolio Recovery Services. In reviewing my credit reports there were several items that were not mine that had been opened in my name as a result of Identity Theft. I filed a complaint with the FTC when I became aware that these items were being reported. The FTC complaint is attached. 

This is the last remaining item ( currently known ) as the result of the identity theft. I am politely requesting that this be reviewed and removed as I did not open this account. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a continuation of XXXX " XXXX ''. CFPB closed that complaint. This matter is unresolved. Bank of America has provided NONE of the requested information or actions. I am attaching my response to their response on this complaint.

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 2019-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to apply for a modification for the past 2yrs with this company and to no avail. I have been sending documentation over and over again and get the same response " we did not receive it ''. I have confirmation that the documents were sent and still is asked to resend my financials along with other docs again. I can afford to keep my home and can not understand why this is so hard to resolve.

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 2018-03-21
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: Account status incorrect

Complaint:
I have requested the account be removed or updated with closed numerous times by mail and phone. The creditor bureau replies by sending a form letter stating the account has been verified which I know not to be true. I have asked for proof of verification and I do not receive any. The account is a CLOSED account reporting as OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I HAVE TOLD THEM NUMERUS TIMES TO QUIT CALLING ME AND THEY KEEP CALLING ME ON MY WORK PHONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: OneMain Finance Corporation
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:
ONEMAIN was on my consumer report as an inquiry so I disputed it. I did not give my consent for this and it injured my consumer report severely. On XX/XX/2021 XXXX removed ONEMAIN from my report but on XX/XX/2021 ONEMAIN was back on my report. Once again, without my consent. Today, XX/XX/2021, ONEMAIN is finally off my consumer report but the damages are already done. Not to mention, I had to contact fraud department for XXXX and send in dispute letters, more than once, for XXXX. ONEMAIN violated 15 USC 1681n ( a ) ( 1 ) ( B ) and I am seeking relief for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my Experian credit report and found inquiries I did not authorize from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX ... Experian has not given me written documented proof I consented to these hard inquiries as required per section 605 and  section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act.

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 2017-11-28
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 submitted a complaint with XXXX for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, XXXX is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

Transunion also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten 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 2022-08-11
Company: Experian Information Solutions 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: 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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

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 2018-03-21
Company: CITIBANK, N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated a rollover procedure of my XXXX from XXXX XXXX Citi Website ( Citigroup ) to XXXX. When I completed the Rollover instructions, I was then directed to a new website managed by XXXX XXXX XXXX ( XXXX ) to complete nearly identical information requested by Citi with the exception of the address of XXXX which took me a little time to find out from XXXX. Once I successfully completed XXXX inquiries, I was then redirected to Citi Web page at which time a notice that my session with Citi had expired. At that point I truly believed that the entire procedure was completed. There was no indication thru the various inquiries that were completed that a confirmation was required otherwise Citi session should not have expired. 
On the same day, there was another department titled Rollover Central of which I was unfamiliar of its role, so I called XXXX back and XXXX XXXX XXXX informed me that my request was processed. 
On the XX/XX/XXXX, I telephoned Citi Benefits Center to determine progress on my Rollover and I was informed that the request was not processed because it was not confirmed and that my value of my XXXX would be based on the closing day of the XX/XX/XXXX. 
As a result of the delay the XXXX value diminished approximately {$7400.00}. 
There were other telephone calls to XXXX XXXX Citi during XX/XX/XXXXregarding our complaint ; one telephone responders indicated that this was not an isolated incident. One of the managers named XXXX stated to file an appeal with Citi which denied my claim. A final appeal to Citi also denied my case. In essence, CitiGroup told me that I failed to confirm on the XX/XX/XXXX the rollover and would require me to go to court. 
All paper work regarding this case is available by request.

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 2021-09-12
Company: EQUIFAX, INC.
State: CA
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:
Submitted Three former requests to validate and verify items on a collection account. Equifax and XXXX is report all on time pay history with a derogatory account status, dates do not match up. they are reporting incomplete and inaccurate information,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.

Company response to consumer: Closed with explanation