BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Chime Financial Inc
State: CA
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 would NOT rate this " bank '' a single star if it were possible. The fact that Chime claims that its " top priority is protecting [ their ] members that starts with keeping [ our ] information and money secure '' is already a false statement. 

On XX/XX/XXXX at XXXX PM, a total of {$300.00} were withdrawn from my checking account at a XX/XX/XXXX ATM machine in XXXX, CA. After receiving alerts on my phone about the transactions made, I immediately locked my debit card, called Chime customer service and was told to call back after the transactions had posted. Once they stopped pending, I called customer service again and filed for fraud, as I did not authorize the transactions. I had also requested a temporary credit as other banks do to assist their customers with fraud claims, however, they declined to do so. Chime responded to me via email on XX/XX/XXXX that after they " made a final determination regarding [ my ] claim, '' Chime bank " concluded no error occurred '' and " no funds will be credited to [ my ] account and this claim is considered closed. '' As their member/customer, I was not happy with their decision and immediately called to reopen the claim. 

To further help with the investigation, I emailed Chime on that same day ( XXXX ) at XXXX PM with attached photos of my location during the time the fraud incident occurred. Chime neglected to further investigate and stated the they " stand by [ their ] initial decision '' ( XX/XX/XXXX, XXXX PM ). Chime emailed on XX/XX/XXXX at XXXX AM stated they would be " happy to send [ me ] the documentations used in [ their ] investigation, '' which I immediately requested and was told I would receive the documentations within XXXX business day. It is XX/XX/XXXX and Chime has neglected to send the documentations as requested and continue helping me as their member/customer. 

I now refuse to continue using Chime " bank '' for any financial needs. I opened a new account with another financial institution and consulted an attorney for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Multiple wrong address information..on my Experian, XXXX and XXXX credit files 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 ../.. 
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 XXXXXXXX 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 2021-03-21
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Retail Merchant association claims I owe them two separate amounts of XXXX and XXXX.I have sent certified letters requesting this creditor to validate debt. I have asked for billing and documentation with my signature and any all proof that this debt is owed to them. They have failed to do so and will not remove the debt from my credit report. Retail Merchant Association is failing to cooperate with me to validate this debt. Furthermore, this item is being reported as medical collection debt which is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Loan with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. I just received my three consumer reports in XX/XX/XXXX and Santander Consumer USA has reported late payments to XXXX, XXXX and XXXX for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The account with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. And they reported the three late payments in XX/XX/XXXX. I contacted Santander Consumer USA and the representative told me that this is a billing error and that they would have it corrected and resolved to reflect on time payments for those XXXX months. This is now XX/XX/XXXX and they still have not updated my consumer reports. This has hugely impacted my credit rating. I have lost XXXX points because of this billing error. This has been very stressful for me to deal with these past XXXX months and Santander Consumer USA still has not corrected the billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX SHOWS A BALANCE FROM XXXX XXXX OF {$160000.00}. XXXX XXXX SHOWS A XXXX BALANCE. I WON A COURT CASE AGAINST XXXX AND THERE SHOULD BE NO BALANCE. I 'VE ASKED THEM SEVERAL TIMES TO REMOVE IT BUT THEY REFUSED. THEIR REPORT SHOULD ALSO SAY IT IS FORECLOSURE REDEEMED NOT " FORECLOSURE ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2015-06-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to XXXX IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded XXXX the letter from SANTANDER the original debt company that the TRADELINE has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
That card was opened up in my name without my consent. This card is an unauthorized card and was opened up as fraud in my name and personal information. I been trying to get this resolved for years now.

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 2021-08-06
Company: Experian Information Solutions 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:
I, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX XXXX that is being reported on Experian, XXXX, and XXXX, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per Experian, XXXX, and XXXX. 
XXXX XXXX Account # XXXX opened XX/XX/2015

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 2020-11-12
Company: Experian Information Solutions 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:
I HAVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2015-07-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Mailed a written request to Experian to remove line items from XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Experian stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX District Court in Michigan regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22
Company: ACS Education Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS/XXXX was changing my repayment plan to an income based plan. While they were doing so they let the loan go into delinquency from XX/XX/2013 to XX/XX/2013. There is a negative 120 days delinquency on my credit report that I have disputed numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Allied International Credit Corp., (US)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX Name : XXXX XXXX Letter sent on the behalf of XXXX saying payment of {$42.00} was due. I have ne ver purchased anything on XXXX. And anyway, all purchases on XXXX are paid prior to receiving goods ... .. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.

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 2021-03-17
Company: AMERISAVE MORTGAGE CORPORATION
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: Account information incorrect

Complaint:
Received a letter from Amerisave Mortgage Corp with " Your Credit Score and the Price You Pay for Credit '' including credit scores from XXXX, XXXX, and XXXX XXXX. I checked my credit report on XX/XX/2021 and saw Amerisave Mortgage Corp under " Account Review Inquiries '' on XX/XX/2021. In their letter it shows that my credit score from XXXX is XXXX on XXXX in reality my credit score from XXXX has never been above 744- as of XX/XX/2021. I have not contacted the company as I believe this is some sort of fraud to lure customers into believing that they have a higher credit score than they actually do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 Credit Report Toolkit : Print your report Credit Education Know your rights Credit Fraud Center

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 2021-03-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citi Bank was collected more debt with charged extra interest on my CitiBusiness Platinum Select Card on APR 10.99 % to 20.99 % over 10 years, even if this Card had been closed since XXXX. And I had call and ask them to take a settlement for stop charge any more extra interest during this card closed, buy them refused and continuing to collecting the extra debt till I paid off last balance {$65.00} on XX/XX/XXXX. So, I want to claim Citi bank refund {$8000.00} as compensation.

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 2016-02-10
Company: National Financial LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A woman from Loan Til Payday in XXXX Delaware, at the phone number XXXX called. I answered the phone by telling her to remove me from her list. She said she is looking for XXXX something and I told her I do n't know XXXX, he does n't live here and remove me from the list. She ended the call by calling me a XXXX and hanging up on me. When I called her back, she refused to give me her name, her manager 's name, he corporate phone number or any other identifying information. I called another location of Loan til Payday and got the corporate phone number from them. I spoke to XXXX and explained what happened and he said he would get to the bottom of it and get back to me. I am very angry with her unprofessionalism.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Advantage Credit, 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:
I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a credit card with XXXX XXXX XXXX, which provides a maximum credit limit of {$800.00}. Previously, I owned over {$790.00} on the credit card ; however, I have paid it down, and it is/and has carried a balance of {$280.00}. XXXX XXXX XXXX has not updated my credit reports to reflect an accurate credit card utilization. My credit card utilization is listed above XXXX %, which it should be much lower.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2015-11-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
on XXXX/XXXX/15 i went to the regions bank XXXX, ga XXXX to cash a {$100.00} check drawn on their bank. they insisted on charging me a 2 % fee ... if this check was drawn on another banking institution, i can see them charging a fee. i just think it 's plain wrong to have to pay a fee to the bank the check is drawn on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Navient Solutions, LLC.
State: MT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute the entire amount of student loans serviced by Navient because the debt was the direct result of fraud and misrepresentation committed by The XXXX XXXX of XXXX including, but not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX, and ( i ) predatory and high-pressure sales tactics. Navient has sent several delinquency notices to me regarding the payments on the debt. I advised Navient that the debt is a DISPUTED DEBT and further warned Navient that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that Navient notify the credit agency that the debt is a DISPUTED DEBT. Navient reported the delinquency to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law.

Company response to consumer: Closed with explanation