BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Monday, XX/XX/2022 I reached out to Chime BankXXXX and requested a letter for my visa application. The letter was to explain that I indeed to have a bank account that's currently active, with funds that are deposited weekly from my employer and that I do have the means to funds while on my trip to XXXX. XXXXne week goes by, two weeks go by and now three weeks have gone by and no response. I called the reached out to Chime on Tuesday, XX/XX/XXXX via XXXX  to ask if there was anything they could do on there end, to see what's happening with the letter. They asked for my Chime $ sign which is your username that's unique to you. If someone, anyone wanted to look you up by your Chime $ sign, they can find you. What they didn't tell me is, you have to unlock the feature via your mobile device. The response through XXXX was, they could not find me and that I should email customer care or give them a phone call. I called Chime on Wednesday, XX/XX/2022 and spoke to a representative and didn't get much help. I called on Saturday, XX/XX/XXXX and was given a small piece of information but nothing that I could really use. Then finally, I called back again after getting the wrong information via email on Sunday, XX/XX/XXXX and XXXX, I can still remember his name was the one that helped me the most with the information that he gave me. He simply told me to email the company and request this information and that exactly what I did. The only thing I received from the company was an automated response stating they received my request and that they were working on it. I again reached out to Chime via XXXX today to ask if I can talk to someone and express my disappointment that I have with Chime and the customer service that I have been not receiving and that hit a dead end as well. I will be changing banks but for the mean time, I do need that letter. This is the worse experience that I've had with Chime. They were perfect in the beginning but I guess all mask have to fall off sooner or later. This just was not what I expect from a bank that's not a big box bank like XXXX, XXXX or XXXX XXXX. This is actually what I expected from them but never from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance-

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 2022-09-13
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have submitted two typed/written letters sent certified mail to RMP ( Receivables Management Partners , LLC ) to validate the debt and the letter specifically asked them to stop communicating with me and ; All future communications with me MUST be done in writing. However, they are still calling and have continued to call my cellphone. I sent the first letter on XX/XX/XXXX and sent the second letter on XX/XX/XXXX. They have not validated the debts and they continue to call me and fill up my voicemail on my cellphone ; so no other calls can get through. 
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX pm XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX XX/XX/XXXX @ XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Written XXXX Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, XXXX When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement

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 2023-04-06
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
American express has not produced any supporting transcript of where I confirmed a consent of hard credit check. 

During the call I clearly mentioned with the agent that no credit check should happen and I was told in the call of XXXX XXXX that no credit check will happen but the agent accidently took a wrong application and did a credit check. I subsequently followed up with another agent on XXXX XXXX to ensure that the hard inquiry be removed and AMEX agent stated on record that it will be removed. 

It is submitted that the Agent who said that hard inquiry will be removed was AMEX employee and had authority to communicate that decision and subsequently that decision was not followed. 

Thirdly XXXX  laws allow me to record call if I have consent of XXXX party and I am party to my own call and have consented to record my call. 

Yesterday I was on call with Amex and told them that I was recording the call because they are recording the call at AMEX, AMEX stated that I can not record the call. I told them that texas laws allow me to record the call with my consent. I told AMEX rep that they need to stop recording and I will also stop recording but AMEX rep said that they can't stop recording but I am the one who have to stop recording. 

I strongly oppose these tactics of AMEX to be a bully and not allow equal means for both parties to record and not stop recording at their end when customers ask them to stop recording. 

This requires review by regulators and probably requires judicial review as consumer has no way to prove what was communicated if AMEX doesn't want to fix their own mischeif.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
The credit report agencies show late payments, and I have never been late paying my payments. 

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 a 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 2023-06-23
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:
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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this reporting account : XXXX XXXX XXXX Balance : {$21000.00} This complaint is my follow-up attempt to ensure that the listed account is verified ASAP.

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 2023-06-23
Company: EQUIFAX, INC.
State: MA
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: MT
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:
XXXX XXXX has flagged my account past due for the same 30 days 2 times. They say they haven't experian says they didn't yet it shows on XX/XX/XXXX & XX/XX/XXXX. Immediately after my score tanked. I have pics of XXXX changes. When you ask experian why your score dropped they don't tell you. You should be able to know why scores change. That is their job. We are trying to buy a house and it's ruining my credit. I was ill with XXXX for XXXX  years and have worked so hard on fixing credit and now this. No one will help 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 2023-04-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am submitting this complaint against Experian due to their continued failure to remove inaccurate and unverified items from my credit report, despite multiple disputes and submission of the required documentation, including Identity Theft affidavits and police reports. Furthermore, Experian has not maintained proper records of the previously submitted documents and may be in violation of the Fair Credit Reporting Act. Additionally, I have concerns regarding the unauthorized release of my personal information to the disputed companies during the dispute resolution process, potentially exacerbating the identity theft issue. Experian 's actions have caused me significant financial harm and emotional distress, and I seek a prompt and accurate resolution of this matter.

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 2023-10-08
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a refinance auto loan with one main financial ( OMF ) in XXXX at $ XXXX at XXXX monthly. Now XXXX years later in XX/XX/XXXX, they are still aggressively trying to collect and repossess the vehicle, even though I have paid roughly $ XXXX or 200 % on the loan. The vehicle due to natural depreciation has little value in comparison to the balance due. The last statement I received in XX/XX/XXXX showed an ending balance of $ XXXX. I spoke to a representative who told me my original loan maturity date was XX/XX/XXXX but it will be another 3 years of payments to resolve this account. I feel like I was defrauded and not made fully aware of the interest & payment application of this loan. I requested a history of my account in XXXX and in review, the majority almost XXXX % of most payments have been applied to interest. I have requested many times to cancel this loan, when the car had value and OMF refused and bartered with a payment arrangement. I don't feel that the balance due is a true and accurate reflection of what I owe and this account should be resolved. OMF is taking advantage of customers and it feels illegal and extremely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Chime Financial Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is not a duplicate. On XX/XX/2022 I noticed i had multiple unauthorized transactions in my account. The transactions looked as if i was sending myself money but wasn't spelling my name right. So I contacted my bank to explain who i believe XXXX be to blaim for this but also to ask how this was possible because I should of been protected from something like this. That's when I put in the disputes. 
I got an automatic response initially, then they just closed my dispute. I, then called Chime and spoke to a gentleman and explained what i believed happened and he then refiled another dispute for me and told me to just explain what i did to him in an email following the dispute. That's exactly what i did. Then the following day on XX/XX/2022 Chime closed my account completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are required to do what I am asking and these transactions from being reported to my consumer report within 4 days from the receipt of this notice. I look forward to your 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 non-monetary relief
Consumer complaint received 2023-09-24
Company: Spring Oaks Capital, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my third time filling a complaint about this debt collection company, I have never signed a contract with them, There is no contract between me and spring oaks Capital. Spring oaks Capital has never lent me any amount of money, by law this company must provide me a contract between me and them since they are asking me to pay them, the contract should name them as the creditor and my name must also be on it. A contract between me and the original creditor is not the same as a contract between me and a third party debt collector, I also want to see the proof that they are authorized to collect on this debt. I also want the full record of accounting that shows every single charge, fee, interest charge and payments on the account. Since this third party debt collector decided to furnish this information to the credit bureaus, I want them to provide me with the document signed by me that says that I gave consent that allowed them to furnish this information to the credit bureaus, I also want the documentation of the sale between spring oaks Capital and the original creditor and the amount that they paid for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Bank of the West transferred my RV loan to BMO. BMO is making it difficult to pay the payment without an internal checking account. They will not allow an external checking account to be entered and saved for payment. They told me it was an internal error. We looked it up online and it seems other customers are having the same problem. They have apparently been refusing to take payments and repossessing RVs. I just tried to make a payment using their quick pay service and it was refused. I apparently can not make a payment within 14 days of the last one. This is suspicious and the only way to solve it is to open a checking account with BMO. I just want to pay my bill every month.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the XX/XX/XXXX Experian received my certified complaint and on XX/XX/XXXX they sent an email back advising that they can't identify me. How is that possible when I have a copy of my SSN and my Drivers License attached to the dispute itself.

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