BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy. According to : 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 According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-06-05
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We closed  a Child 's Savings  account in  XX/XX/XXXX .  M & T c ontinued to charge the account.   My daughter and I went in together in  XX/XX/XXXX .   We are now receiving statements with a negative balance.   We seem unable to close this account even though we went in numerous times in an effort to do so.

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 monetary relief
Consumer complaint received 2022-03-10
Company: Advanced Resolution Services Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am appealing to your authority to have XXXX  , Inc. to release confirm or deny that a security freeze has been placed on my credit report.

When attempting to get these results on my own accord by requesting the confirmation that the security freeze did indeed take place, XXXX  refuses to give or provide a definitive answer.

My rights under FCRA allow me to place security freezes on my credit file upon request.

Please assist me as soon as possible in obtaining the necessary contact information in order to place a security freeze with XXXX  and therewith, compelling them to follow the well-known directives from FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax is reporting fraudulent activity on my account. I disputed the items, sent a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information being hacked at a hospital. Theives have my name, SSC #, email address and DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have to charge off on my account that I told him wasnt mine and they will not take it off my account because they say it was verified but it wasnt very far because I am a XXXX person and I never had those accounts in the first place so I was trying to get them off my experience and XXXX XXXX and it will XXXX report on my XXXX XXXX report it shows open and on my XXXX  and us. It shows closed I have twoN and when it discover and I am trying to get those off my report so I can move forward in life and possibly get a mortgage XXXX thank you for helping I have sent in my 609 laterLetters and I have gotten no response back yet thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to send a wire with Ally Bank. As part of this they asked me to call in, no worries, I did the next day. They asked me for my social and I told them that I don't feel comfortable giving it out because of identify theft issues in the past, but I'm happy to answer other questions. The person said fine, they authenticated me and then said I needed to call back again the next day. Sure no prob. I did and they asked me again to authenticate using my social. I again said that I don't feel comfortable giving it out and to ask me other questions. This lady got really rude and unprofessional and hung up on me. I then learned my account was locked out so I can't access any of my money or even log into my account. 

I called back the next day and finally just gave up and gave them my social and did authenticate me, but they now told me that the last lady I spoke to flagged my account because I " refused to provide my social '' and I have extra steps now for " the safety of my account ''. I have to upload my drivers license, a photo of me with it, a color copy of my social security card, a utility bill and they can't confirm if there's more they will ask for after that. First this is a complete overreaction in the name of " security '', secondly I never gave them false info, and I explained each time why I didn't want to give out my social and thirdly I don't have some of that information with me since I'm traveling. 

I essentially tried to use one of the bank 's services and as a response they've effectively taken my money. The steps to getting it back are so onerous that it's possible I'm unable to ever get my money back. This is effectively stealing my money.

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 2021-06-12
Company: Nelnet, Inc.
State: NV
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXX Late XXXXXXXX XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX XXXX Date XX/XX/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 2022-03-10
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You transferred the servicing of my loan to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX loan number XXXX ) effective XX/XX/2021. I made three mortgage payments by ACH transfer to you on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have attached copies of my bank statements with these payments highlighted. 
I was informed by XXXX, XXXX that the XX/XX/2021, payment was transferred to them. As shown on the attached bank statement for the month of XX/XX/2021, on XX/XX/2021, you refunded the XX/XX/2021, payment to the bank account from which it was paid. The XX/XX/XXXX payment has neither been transferred to XXXX, XXXX nor refunded to me, as I believe is required by law. 

I have had numerous telephone conversations with your Customer Service Department, as well as with Customer Service of XXXX XXXX XXXX, to get this matter resolved, to no avail. In the meantime, XXXX XXXX XXXX is attempting to collect late fees from me, and has even sent two Notice of Default Right to Cure letters because of your failure to transfer the XXXX payment as required by law. This is causing my wife and I a great deal of stress and XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NJ
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:
DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date opened XX/XX/2021 Balance {$330.00} L J ROSS ASSOCIATES IN did a collection at my XXXX  score account. I dont recognize this debt. I wasnt living in this unit when the XXXX XXXX XXXX charged any amount. It may be possible that with the COVID pandemic they kept using my name for the electric service after I moved out.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I reached out to Experian to attain the results of my dispute submitted on XX/XX/2021. I spoke to a representative around XXXX who informed me that they did not investigate my dispute and that their company does not investigate.

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 2022-04-05
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I transferred money a total of XXXX dollars from my XXXX account to my XXXX Chime bank account. The transfer went thru. In the next couple of days the Chime card worked fine. Around the XXXX of XXXX I ordered a pizza. When I went to pay. I was declined. So I look up my chime account and I'm XXXX XXXX dollars exactly the amount that I spend the last few days. I end up calling Chime to get answers and got the run around for about 4 hrs. I was told to take pics of my transactions and my transfers and send them to customer service which I did. That was last Friday. It's now Tuesday the XXXX of XXXX. No answer back. My account has been closed by them. Everytime I try and call Chime it just hangs up on me. The system recognizes My phone number and says your account is closed. Goodbye " click ''. They never said they were closing my account. They didn't say that they were sending me a new card. They just closed it with no reason as to why. I have all the info. The money just disappeared. It is something internal with Chime. There are thousands of people online that have had or is having the same problem as I. I'm on XXXX losing this amount of money is devastating for Me. I hope you can help me get some answers and get my money back.. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.

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 2021-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
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: Reporting company used your report improperly

Complaint:
The account has been settled and paid in full but it's still reporting as UNPAID.

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 2017-06-22
Company: GFS II, LLC
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: Public record information inaccurate

Complaint:
Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, 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 went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for a Wells Fargo Credit Product and have not received a response. I took the hit to my score via credit inquiry. I never got a reference number and the only way I could check the status is calling some number I found offsite. Kept telling me someone is reviewing the application.

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 2022-04-05
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022, I received a text ( attached ) from Chime, asking if I'd made a purchase {$85.00} from supreme organics. Immediately, I replied NO. Chime texted again stating that the transaction was blocked and no monies was taken from my acct. I as well stopped all transactions, cut up card and ordered a new card. To my surprise the next day, my card was charged $ XXXX {$170.00}, in total. I called the merchant XXXX XXXX, who stated no refunds, then hung up. I've made several attempts to contact merchant again, only to get a recording, every time. Chime has given me the runaround. Every time I call, my dispute is closed, and they never tell me why, but reopen it again, only to find its been denied, closed, next time I call. Chime informed me that the merchant tried to charge my card {$86.00} four ( 4 ) times with ( 2 ) getting through. XXXX has numerous complaints about this merchant, XXXX XXXX, doing this very same thing to many. I've basically been robbed {$170.00}, from XXXX and it seems I can't do anything to get my money back. Chime should never allowed the purchase to go through as they stated in their text. Or can they do whatever they please with my money. I still have an acct with chime. Should I close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following account is not transferred to another lender, I never made a late payment on the accounts ever. I am current on all of my payments on this account.. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Account status incorrect

Complaint:
My XXXX XXXX XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?

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 2020-10-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX.i dont know just got the letter today.i been trying to call the office and before I leave I went to talk to manager but she no need to do anything.so I think wrong file under my name.

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