BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My sister passed away XX/XX/2022. We have been going through her paperwork and noticed she had Chime accounts. I tried to call them several times and they wouldn't help. So they told me to email them. I did. Several times. 

They said I have to send my ID and a copy of her Death Certificate. I took several pictures and uploaded them to their website at least 10 times and they continue to tell me the death certificate is blurry. I have taken the pictures with my phone ( as they requested ), and didn't edit them ( as they requested ) but they continue to tell me they can't take them. I sent the exact same pictures to my husband to see how they come across and he said they are clear. I don't know what they are trying to do here, but they are lying about the pictures. I want to close her account and take her money out of her accounts, but they won't. I'm not sure what else to do. They have her money and won't release it. 

My mom also received a message on her phone stating someone was trying to get into her account. We want to make sure someone doesn't steal her money ( but at this time it looks like CHIME is stealing her money.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
On XXXX the XXXX, XX/XX/XXXX and XX/XX/XXXX a negotiable instrument with a remittance coupon was sent in with a letter of instruction to the company by me, the company ignored and dishonored.Which violated UCC 3-603 TENDER OF PAYMENT ( a ) ( b ) which states if tender of payment of obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) as stated if tender of payment of an obligation to pay, an instrument is made to a person, entitled to enforce the instrument, and the tender is refused. There is discharge to the extent of the amount of the tender of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation, to which the tender relates. 
The company also violated UCC 3-604 DISCHARGE BY CANCELLATION OR RENUNCIATION. UCC 3-149 ,3-104, 3-306 USC 1786 ( m ) ( 10 ) ( A ) and 3-301. Has all been violated.on XX/XX/2023 a validation of debt letter was sent out to the company, the company responded with a letter stating my account will remain the same and the debt was never XXXX XX/XX/XXXX I received a letter from the company threatening to repossess my vehicle. If payment wasnt made.on XX/XX/XXXX my vehicle was illegally repossessed. There wasnt any current UCC filings for a lien on my vehicle at the time of repossession. Given that the company has traded my securities Which is currently still being traded on the primary and secondary market with out my permission. according to 3-203 ( b ) it states that the company lost their legal right as a holder upon the transfer.The company also stated in my contract that they were not to share my personal and private information with any non-affiliates or third-parties however, my information was share with non-affiliates. The company is only giving me one option to resolve this matter and In the threatening letter to sell my vehicle on XX/XX/2023 if I didnt pay the full balance of {$57000.00} only given 15 days to do so. The companys Never gave me a valid reason as to why my payment wasnt accepted and they also violated XXXX XXXX title XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Somebody got an at & t internet connection in my name at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then transferred it to another address i have always stayed in XXXX XXXX XXXX XXXX XXXX. i dont know how they got my information? next thing i know i get a collection letter from a service i never had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was contacted about providing proof of insurance when I set up the refinancing auto loan in XXXX, XXXX. I provided my proof of insurance as requested when setting up the account, and again on XX/XX/XXXX. I was then charged a CPI ADD fee of {$1100.00} on XX/XX/XXXX for " not providing proof of insurance '' but I wouldn't have been able to set up the loan had I not provided it. 

I then started to notice that I've been getting charged " late fees '' every month, for my autopayment taking too long to process, but I have no means of changing the auto payment date, so on top of my {$180.00} that I pay every month, they started charging me an extra {$29.00} every month starting XX/XX/XXXX. All previous payment before that had not been charged a late fee. 

I've been asking them to email me, as my job schedule is from XXXX to XXXX, and can not pick up their calls, but they would not reach back out to me. 

This year, I've sent them the updated proof of my insurance ( since the year had expired ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no response. I received an email from them on XX/XX/XXXX asking again for proof of insurance, which I had not seen until I was notified by mail that they have again charged my account with another CPI ADD fee on XX/XX/XXXX and increased my monthly payments. 

As they had not removed the original fee, charged me a second time, and increased my monthly payments to {$240.00} a month for " failure to provide evidence of insurance '' I am reaching out for assistance at this point. I started this refinance loan with {$8600.00} on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) my balance is at {$9500.00}. I've had a full year of payments at this point that have amounted to nothing.

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 2023-05-14
Company: EQUIFAX, INC.
State: NC
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 mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Kriya Capital, LLC
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:
TODAYS DATE:XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly review the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently punctual with payments, contrary to the reported late status.

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 2023-02-18
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My {$500.00} vanilla gift Card got replaced twice both times comprromised and put on hold. I don't trust trying another replacement would rather a check and not have to deal with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Department of Treasury garnished my wages and seized my state tax return to pay health insurance premiums for the XXXX XXXX MN when I was in an off duty status from my job as a rural mail XXXX due to an occupational injury that occurred late XXXX through my extensive shoulder XXXX in XXXX of XXXX ( through XXXX ). All of the debt ( from XXXX ) was paid through the garnishment and seizing my XXXX state tax return. I actually believe they took more than the debt. Now they have reported the same debt to the credit bureaus as well as sent me a letter stating I owe another {$1500.00} plus dollars via XXXX XXXX MN. I contacted the Department of Treasury and explained that all of the insurance premium debt had been paid and I do not understand what this letter for collection means. I requested a detailed statement to be mailed to me, I have not received this. I am at a loss as to what this is for. Even when I was finally able to receive XXXX Workmans Compensation for lost wages, which does quality control checks for any insurance payments that are to be deducted from the compensation, the checks came back that I do not owe insurance premium payments. I know this is a federal agency and I am sticking my neck out to report this but this is affecting my XXXX XXXX, my ability to purchase a home and everything is incorrect regarding the debt as well as again posting this to the credit bureaus. In fact, when my mortgage company checked my credit in XXXX, XXXX nothing from the Department of Treasury was on my report and to re-qualify for a mortgage and receive a pre-approval letter my mortgage company checked my credit this month ( XX/XX/XXXX ) and all of this is reported again. This is unbelievably stressful and has substantially increased my already high anxiety. I don't owe anything to them. Why are they doing this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited my paycheck and had a 10 day hold placed on the check on XX/XX/23. I deposited a check for my pay from the same company on XX/XX/23 and had the same hold placed. Also had several direct deposited from my job. They will not take the hold off of my check causing me to be delinquent on various obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Credit Karma, LLC
State: NH
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:
CREDIT KARMA ALLOWED A FRAUDULENT USER ACCESS TO MY INFORMATION MORE THAN 34 TIMES SINCE XX/XX/. EMAIL ADDRESS PROVIDED WAS NOT VERIFIED AND WAS NOT MINE. I WAS ABLE TO GAIN ACCESS TO MY INFORMATION AND BLOCK THE USER. I EMAILED CREDIT KARMA SUPPORT WITH SCREEN SHOTS OF THE USER. THIS WAS DISCOVERED AFTER I RECEIVED A LETTER FROM A CREDIT UNION IN WASHINGTON STATE THAT THEY DID NOT OPEN MY ACCOUNT BECAUSE THEY SUSPECTED FRAUD, THERE ARE MANY INQUIRIES ON MY REPORT THAT MADE THAT I DID NOT APPLY FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-04-06
Company: CORELOGIC INC
State: MO
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:
XX/XX/XXXX XXXX and XXXX of XXXX I've received Activity on my credit report with trenching in that was not alterized. I don't know who is Credco/Credco and never had any affiliation with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}

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 2023-02-03
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:
Once again I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts. 
Please investigate these accounts as soon as possible. 

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 2023-09-29
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I'm in the process of buying my first home and I went to review my XXXX Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that XXXX, XXXX, or Equifax had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, XXXX responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my XXXX, Equifax, and XXXX XXXX Report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. 

If there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. 

I will forward the document to the complaint to support my claim. 

However, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.

Company response to consumer: Closed with non-monetary relief