BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
elanfinancialservices yesterday there is a hard inquiry on my credit report and I never gave consent

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Experian and XXXX credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as " XXXX  ''. The amount is {$940.00}. This was posted to my account during the month of XX/XX/2023. I have filed a dispute with Experian and XXXX online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/2023. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.

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 2023-12-12
Company: Chime Financial Inc
State: MT
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:
At approximately XXXX XXXX XXXX on XX/XX/23, someone hacked into my Chime Bank XXXX XXXX ) account and made a transaction of {$4000.00} ( my entire checking account ) to a business named XXXX. Upon further research, XXXX is a XXXX and XXXX XXXX app. They changed the phone number and email address on the account to their own, which prompted notifications to me, which is how I discovered this was happening the next morning when I woke up around XXXX XXXX  MST on XX/XX/23. I immediately called the bank and they verified I was the rightful owner and unlocked the account and changed the phone number and email address back to my own. They attempted to make an XXXX grocery delivery order from an XXXX 's in XXXX XXXX but I was able to call XXXX and explain what happened. They stopped the payment and returned it to me. The phone number the hacker used was XXXX. Now, I have {$0.00} in my checking account and Chime is telling me it could take up to 90 days to investigate and resolve this issue even though this was a security breach on their end. I did not lose or misplace my card, someone hacked into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from Frost-Arnett collection agency stating I owe XXXX XXXX XXXX account XXXX XXXX {$84.00} ( Reference XXXX. I do not know what this bill is for and have received nothing outside of this collection notice from XXXX XXXX XXXX. 

There are XXXX XXXX reviews for XXXX XXXX XXXX online all stating billing issues with this entity or being billed by this provider without having ever been a patient. An investigation into this organization/provider seems necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
American Express allows you to open an account online, but you can not close your account online. You have to do it in a call or on a chatbot, where you suffer signifiant delays and an interrogation as they try to convince you not to cancel. 

It should be as easy to cancel an account as it is to open one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 have some Unauthorized inquiries appearing on my credit report I have attached supporting documentation.

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 2023-12-12
Company: DriveTime
State: SC
Product: Credit reporting 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:
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry

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 2023-12-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The dates are through out the last ten years or so. It has been numerous occasions that Wells Fargo has charged me overdraft fees multiple times over in same day. There has been multiple events of the bank letting different transactions go through and put my account severely in the negative and continue to charge me overdraft fees for each event over and over.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX appeared on my XXXX credit report. 

XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my XXXX 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 non-monetary relief
Consumer complaint received 2015-06-10
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX XXXX XXXX to Nationstar Mortgage. I never received any information from XXXX about the sale until it already had happened. When my wife attempted to contact Nationstar about our payment ( since it was XX/XX/XXXX ) they told us that they did not have our recorded updated so they could not accept a payment. They said we would get notification when everything was in place to make the payement. The notification came on XXXX XXXX and said that we were overdue on our payment and a late charge was assessed. When we contacted Nationstar they stated that the payment was due on the first and we were overdue. My wife explained the situation of what happened and was treated poorly. When she asked to speak to a manager she was informed that they did not have one. She attempted to pay the amout due and was told that she would still have to pay the late charge plus a fee since she was paying over the phone. She said that she would mail the amount but refused to pay the late charges due to the fact that it was an error on their part. Soon after we started receiving notices that Nationstar was starting paperwork to forclose on our house. How can this be legal? We have n't been with them a month and already getting notices of forecloseure. We still never received any other information from the company other than a bill. I would expect to receive information about my loan to verify there is no changes, a list of contacts and numbers to call for any questions, and something about the company that now has this very large loan against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to beaurus immeditatey

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 2023-12-14
Company: Chime Financial Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Chime has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using chime a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the Chime Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and XXXX. I also want Chime to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that chime has not reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt of XXXX was paid in full on XX/XX/2023. I was told in writing that it would be reported as paid in full within 45 days. They neglected to handle the matter. 

My credit score has suffered from this account reporting negatively. I called and asked for a correction. It's now the end of the year and it's still reporting negatively.

I am now requesting that the account be deleted from all 3 credit bureaus as, this has affected my interest rates on a recent car purchase, slowed my process of securing a home as a first time buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't and never ever agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-15
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I sent XXXX XXXX {$150.00} through my chime online banking account. I have done this a couple of times before and received receipt of transaction but this time I didn't receive receipt and since she was with me I knew she didn't receive it. I sent it through the app where you can pay anyone even nonchime members I called chime in hopes to get this taken care of they give the money back on XX/XX/XXXX only to take it back out on XXXX the XXXX. They said they deposited the money into her account even though I tried to explain she didn't have a chime account ever. I then called on XXXX the XXXX and demanded to talk to a supervisor. They transferred my call to a XXXX or XXXX I didnt catch the name. He assured me he was gon na take care of the problem. He told me to go to a website so he could remotely help me fix it. Little did I know he was in my phone and in my chime account and sent himself all the money I had left in my account. He sent {$360.00} to XXXX. I didn't authorize him to take money out of my account but since he was on my chime it looked like I sent it to him. Trying to keep my composure being right here at XXXX time and finances are tight anyway I called chime back to file a complaint and see what could have happened they file a dispute to email me as soon as we get off the phone saying there was no mistake and they would be closing the disputes. I don't know what to do other than to contact an attorney. Hope this doesn't happen to anyone else. They know where the money went period. If they didn't take it they sent it to the wrong person without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Chime Financial Inc
State: WI
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:
This company claiming to be a helper of people being hacked on XXXX had me dowoad an app and plug in called XXXX and said that hackers from Hawaii, XXXX, XXXX were all in my phone as this company proceed to look through all the apps in my phone Including my bank account and proceed to take {$490.00} through electronic funding to a XXXX email account on XX/XX/2023. Then the company called me on a XXXX area code number saying i can call them through herr but hung up on me after 6 minutes or so. I then noticed on XX/XX/2023 that all my money was gone excepr for XXXX cents and contacted Chime my bank to file a dispute. They said it will 10 to 45 days for a resolution by it should be finished by XX/XX/2023. So I called Chime on XX/XX/2023 and they said once again I will be credited on XX/XX/2023. So I waited til that next morning expecting my money back bit my claim was denied. Chime said I did not give enough info to be credited when I told them I don't have much proof other then my word. But they said get some proof and we will file a rebuttal for you. So I found this hacking company 's number which is ( XXXX ) XXXX trying to get my money back. I called like this number like 15 times and every single time with like 4 people answering me hung up on me. Then I filed like 7 rebuttals with Chime and each being denied after I gave them XX/XX/2023 phone records, the phone number, and asked them to call ( XXXX ) XXXX and to act XXXX they been hacked to see if I was telling the truth cause there is no paper trail and all I have is my word. I am a XXXX man on XXXX and can't afford to just lose {$490.00} to fraud as my bills are now falling behind because of this issue. I need help getting my money back. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car received hail damage onXX/XX/2023, on XX/XX/XXXX,XX/XX/2023insurance sent a check for {$9800.00}. We decided to pay off loan instead of repair. As directed by customer service we sent check and all pertinent information to Kia Finance. Certified mail, which they received on XX/XX/23. Because I was told wrong information they were processing a check for body shop. OnXX/XX/23 I sent an email advising that I wanted the check to go to payoff and not repair. On XX/XX/23 received email that it was changed and it will be applied to payoff. On XX/XX/23 I called regarding title because email stating it was sent on XX/XX/23. Was told it was sent to insurance company, and the refund will take 30 days from payoff. Called my insurance company they did not receive title. When I calledXX/XX/23. They will not issue duplicate title without insurance ok. And the refund has not been sent because a manager has to sign it. I feel like I am getting the run around.

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 2023-02-09
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:
Equifax and XXXX are showing my XXXX  XXXX XXXX  card beginning in XXXX as being closed and it is not closed. This account has never been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: COMMERCE BANK
State: KS
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:
RE : Notice of unauthorized use of my debit card for purchase of a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order number XXXX. 
US {$1300.00} Total {$1400.00} I was the victim of identity theft when my XXXX and XXXX accounts were hacked XX/XX/XXXX. I did not authorize this transaction on or after this date, and I did not authorize anyone else to use my debit card in any way. The above item was sent to an address that is not mine nor was it added by me. 
-XXXX XXXX  order was shipped by XXXX XXXXXXXX on XXXX XXXX XXXX at the XXXX address and delivered on XX/XX/XXXX. It was signed for by a resident there named, XXXX XXXX. A person unknown to me. 
I have followed all required protocols regarding handling disputes and claims and received no satisfaction from XXXX, XXXX or the sellers. My bank, Commerce Bank states they are not liable for the damages I have suffered since I bought another item on XXXX that same day and thus, I must have authorized the withdraw of {$1400.00}. XXXX from my bank account which caused an overdraft. Commerce Bank alleges that since the thief went through XXXX that it is not fraud. He hacked my account, used my name to ship and paid with my bank account. How is that not fraud? 

Commerce Bank has ignored all requests for a refund. Their entire " investigation '' consists of reading my bank statement and seeing that I made a XXXX purchase to buy a shirt that day. 

I have spent months trying to remedy this situation since I am on XXXX and can not afford this loss. XXXX, XXXX and the company, XXXX all claim that the bank is liable.

Company response to consumer: Closed with explanation