BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NY
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:
15 U.S.C. Section 602 A. States I have a right to privacy 15 U.S.C. Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S.C. 1692 C Companies involved are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Huntington closed my checking accounts with no explanation.

They stole my balance and refuse to state the reason why they closed my account and refuse to give me my balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Kriya Capital, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was on another call when this company tried to call. They left no voice mail which is a clear indication of an unwanted solicitation style robo call. I called it back. The name wasn't clear based on the heavy accented automated system. The woman that answered clarified the name of the company. She said my number wasn't coming up in her system. I asked if she was a telemarketer. She said no and used a term that clearly identified it as a collection agency even though she tried to disguise it. I politely told her not to call me again and we ended the call. I have no idea who these people are, they don't send any written communication to you before they just start robo calling. I will block every single number they call me from until they send me something in writing to explain who they are and who they got my number from. I'm coming off of XXXX XXXX selling my info without ever obtaining my permission so I'm not privy to strange companies I've never heard of calling me. If they do have legitimate business with me then they should've contacted me via USPS. If their client doesn't have correct info then that's not my problem!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I looked at my account on Saturday XX/XX/XXXX and there were 2 Pending transactions for XXXX. These were not my transactions as I never use XXXX and therefore unauthorized transactions. I immediately called CHIME. I requested a cancel of my old card and a issuance of a new card to prevent any additional unauthorized transactions. The representative on the phone said he would cancel the transactions that were literally only hours old and that the money should go back into my account he said to check later. 
The transactions were for XXXX XXXX @ XXXX AM XX/XX/21 and XXXX XXXX  @ XXXX AM. I called them around XXXX to report these. The representative said the transactions should fall off in a day or two and to call back if there are issues. Two days later both transactions had posted and money taken out of my account. I called CHIME again to advise them what happened and what is going on, I was told I had to file a dispute. I filed the dispute and a week or two later received an explanation why they WERE NOT GOING TO REFUND MY MONEY. No where in the explanation was there any credence to WHY they were not going to refund my money. They simply denied my case because i had a low balance and a bunch of statements that does not prove anything ... which I always have a somewhat low balance on this account because i use it as a spending account. I called them again asking why they had made this decisions where there was clear fraud on my account and they proceeded to question me as if I WAS THE GUILTY PARTY. Honestly, its not a lot of money to me but its ' the point that the bank who is supposed to secure my money decided not to do the right thing. At this point, I reached out via email again and have not received any further responses from them. Claim number with CHIME bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Checkr, Inc
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Checkr, Inc. 
XXXX, CA XXXX XXXX is reporting outdated information. The information reported to the potential employer is more than XXXX years old and may bar me from getting hired.

Company response to consumer: Closed
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a double victim of credit base victimization. 1st under the Equifax Data Breach crime and second under a recent Electronic Signature fraud victimization. I have been trying to address the issue of electronic signature fraud victimization through Equifax 's website and I am unable to do so because of fraudulent ID verification information inside Equifax 's data base precluding me or obstructing me from being verified through their website. I then tried to get my ID verfied with Eqfx over the phone and the same thing is happening. Equifax has misinformation in it's data base which then is asking me personal credit questions which Equifax believes is True and is really false and I am expected to come up with correct answers to false questions which I can not do. By me not being able to do this, this has rendered my ID unidentifiable and therefore locked out of credit base services through equifax. I faxed Eqfx information which their customer service rep gave me over the phone in order for me to correct the misinformation that's on eqfx 's database. By the way, I also do not have a cell phone number and I am being forced by Eqfx to provide a phone number to them and given no choice to select I do not have a cell phone number and to provide an alternative ph number of a home ph, which by the way, is not in my name but in my mom 's name. I am being forced to tell falsehoods about this since If I do not give a phone number of some kind, I will not be able to proceed further into getting help from eqfx automated telephone srvc # I sent these docs requested by eqfx to fx # XXXX from a local fax # and it went through without any problem in order to get services from eqfx. I sent this fax to Equifax and eqfx has not contacted at all they received my id verifiying information by [ mfax nor can I speak to a live eqfx cust srvc rep to verify this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: CITIBANK, N.A.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of. 

On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account. 

When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it. 

On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it. 

We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us. 

I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11
Company: ALLY FINANCIAL INC.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a second Complaint because Ditech has not corrected my account, has made false statements, and has shown very confusing and obfuscated accounting Re : [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: IA
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:
Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to XXXX XXXX XXXX XXXX. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CORELOGIC INC
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contact the Equifax, Transunion, and the various companies that have reported an inquiry to my reports. I mailed letters, filed disputes online, and also have called them to ask to remove the inquiry because they were NOT authorized by me. I have gotten no proof of signature or documents verifying the inquiry from any company or credit bureau that were reported. Please help me remove the items from my report because after several attempts via USPS, phone calls, and online disputes the companies have failed to provide me with paperwork with my signature.

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 2018-06-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account is was open and approved for XXXX back in XX/XX/2017, I been making good payments never late and after 6 month they are making decision to close my account. Can you please help me to verified this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECEIVED A COPY OF MY CREDIT REPORT AND THERE ARE CLAIMED THAT I HAVE ACCOUNT WITH CAINES & WEINER, BUT I NEVER HAD ACCOUNT WITH THEM. I HAVE NEVER ENTERED INTO ANY BUSINESS ARRANGEMENT AND I NEVER SIGNED ANY CONTRACT TO CONDUCT ANY KIND OF BUSINESS WITH THEM. WHEN I CONTACTED THEM THEY TELL ME THEY ARE A 3RD PARTY COLLECTOR, WHOM HAVE NO PERMISSION TO FURNISH ANY INFORMATION ON MY CREDIT REPORT IN THE FIRST PLACE. I DID NOT GIVE THEM THE AUTHORIZATION TO ACCESS MY CREDIT REPORT FOR ANY REASON. PLEASE I NEED HELP. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Lockhart, Morris & Montgomery Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously submitted a complaint for this account to XXXX XXXX and they closed their account and sold it to Lockhart, Morris & MONT. I do not owe this debt a former stepdaughter did. I ask for proof of debt from Lockhart and they have not provided it. But they continue to flag my credit account as collections refer to previous complaints on my account for you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal Credit keeps using my credit report and credit score from XXXX XXXX, 2016, instead of XXXX XXXX, 2016, XXXX. PayPal refused to secure this recent credit report which reflects a credit score of XXXX with no negatives except credit inquiries. My XXXX Credit File is very good. There were items that did not belong in XXXX, 2016, and has now been deleted and corrected. 
PayPal refuses to secure my most recent credit report. Also employees of PayPal have lied on XXXX stating that XXXX keeps sending in XXXX 2016, when PayPal Credit has not even contacted XXXX for a updated report. 
This is very unfair to me and does not allow me to extend my credit at the point of sale. My history with PayPal Credit is excellent. I never pay interest because I have always paid out my account within 30 days of purchase. 
I do not have " a serous delinquency in your credit file. '' I do not have " high on bank revolving or other revolving accounts in your credit file '' I do not have " the amount past due on accounts in your credit file is too high '' I do not have a credit score XXXX I do not have " serious delinquency. '' I do not have " Porportions of balances to credit limits is too high on bank revolving ... '' I do not have Amount past due on accounts '' There is a problem here that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I SUBMITTED MY DISPUTES LAST MONTH AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtain a auto loan from Credit Acceptance in the year XXXX around XXXX. I was never late on any payments, all my payments were on time. XXXX XXXX my car was impounded by XXXX Police. I contacted Credit Acceptance and informed them of the situation, they informed me to contact their repossession department. When I spoke with them they informed me they will retrieved the vehicle and incorporate the amount into my payments. My payments before the impoundment was {$300.00} after the adjustment my new payments {$450.00} due on the XXXX of each month starting XXXX XXXX. On XXXX XXXX I made the full payment of {$450.00} but the rep. informed me that the rearrangement has been broken and now I owe the total {$990.00} or the vehicle will be disable to drive. I informed him that I was one day late due to my pay day on the XXXX of the month not the XXXX. He stated " Well you a day late and a XXXX short '' how are we going to handle this. I requested to speak with a supervisor, I spoke with supervisor and I made the {$450.00} payment and he told me now the arrangement will be every two weeks of {$300.00} until the pass due is current which will be in XXXX. Every since this incident of the payment in XXXX, I have been harassed, spoken to unprofessional to. Once again I have not missed a payment, when I requested my payment history, the repairs one rep. informed me that I must pay due to the repossession, which was incorrect information.

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