BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Chime Financial Inc
State: OH
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:
Hello, I'm having an issue with Chime refusing to reimburse me for my account being hacked. 
I contacted them within minutes of the 1st three transactions being deducted from my account, without authorization. While on the phone with the Chime member, the hackers tried 3 more transaction, which thankfully were blocked. They're telling me that they investigated and I made these transactions in in Missouri, at an auto body shop, I live in Ohio. Therefore, they can see that approximately 40 minutes prior I used my card in Ohio at a XXXXXXXX XXXX XXXX  They are refusing to help me they are refusing to do anything else. They do not want to reimburse me for my money I need help please. They can't do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm member of Experian who file disputes of potentially negative items still remaining on my credit report. That should have been remove several months ago. XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Flagstar bank did not properly protect my identity nor did they notify me in a timely way. My identity was stolen almost 1.5 weeks prior to notification from the Bank.

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 2017-08-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XXXX/XXXX/XXXX I opened a citi bank account because I was going to switch from my current bank. I thought i was making the right decision. So, i opened the account online. Therefore, the card comes in the mail about 7-10 days after the account is opened. I wanted to transfer the funds I had in my current bank to the new Citibank checking account. My account was n't enabled for inter institution transfer so i wrote a check from my current institution to the new one. Check cleared everything is dandy, or so i thought! I found out today without notice over the phone that my account is in the process of being closed due to " fraud ''. I think this is complete discrimination. I did not commit fraud, nor have I ever. I had XXXX for 10 years with no issues. The representative supposedly said that I was advised not to do " self-self '' checks, she was very rude but I was NEVER told that. I only had the account for a week why would they feel the need to tell me that?

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 2017-08-22
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for XXXX XXXX XXXX to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, Central Credit Services LLC has called me repeatedly even though I have written to multiple collections agencies who have each notified XXXX XXXX XXXX of my dispute and my requirement to cease phone calls to any number that may reach me. This CFPS complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, TransUnion, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.

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 2022-07-06
Company: EQUIFAX, INC.
State: CA
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 demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX  account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am following up on Complaint # XXXX submitted on XX/XX/XXXX. I reached out to the car dealership ( XXXX XXXX ) to which the car was traded in on XX/XX/XXXX, to get documentation showing when the final payment was sent. I am attaching a document I received from the dealership to show an XXXX Payment in the amount of {$4300.00} on XX/XX/XXXX. I believe this proves the payment should not be showing 30 days past due. I would like Capital One to remove or waive the 30 days late payment being reported to the credit bureaus. Some of the XXXX on Capital One 's website is still showing the XXXX payment as showing 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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 have explained numerous times that Equifax continues to maintain a debt from a collection agency that I have never had any dealings with and should not be able to maintain my social security number. Equifax stated that the collection agency has proof my identity. However, they should not have proof of my identity because I have never had any dealings witht the collection agency and have never authorize my social security number nor name or any other information to them. I have never signed anything to authorize this. The original creditor will not speak to me because they stated that they no longer have the information because they sold it to the collection agency. But Equifax claims that they collected information from the original creditor. Not sure how, if they wouldn't even speak to me. Nonetheless, the original creditor is not the one collecting the debt of {$170.00}, but it's the collection agency that is doing so and I have not had any business or relation with the credit agency and therefore, they should not be collecting a debt that I do not owe. I have reported to Equifax in the past that debt is fraudulent and that someone must have used my identity to accrue the debt. The debt was not accrued by me. I have had a history of identity theft and that is why over a year ago, I asked Equifax to put a freeze on my account. Therefore, Equifax should not be maintaining the {$170.00} on my account for the sake of being paid to do so. This is a fraudelent debt, my identity stolen to accrue this debt and I would like for it to be removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Nelnet, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nenet has reported me as delinquent on student loans, shredding my credit score. I stopped school last winter and made repayments. Then, I transferred to another school for my XXXX in XXXX. Last payment I made was mid-XX/XX/XXXX. I asked for deferment. I was told by a Nelnet representative that they would contact the school and I would be deferred, once verified. Well, they only contacted the school in XXXX. I thought I was okay. Now, I get reported to at least two credit bureaus as being in default on my student loans. I have asked Nelnet repeatedly to rectify this and, if I have to pay, let 's start payments again, but after they fix the grand mess they caused me through apathy and incompetence. Please contact them and MAKE them fix this. How can you be delinquent, if you do n't know you are delinquent? Their communication is horrific. I do want to consolidate my loans with XXXX XXXX to get away from this company. Need help fixing the credit reporting and some fairness here. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has reported this debt on my credit reports as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

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 2019-07-30
Company: Experian Information Solutions Inc.
State: FL
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 number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, I have mailed complaints to TransUnion on XX/XX/2020, and XX/XX/2020, and they have not responded or resolved the matter. I am attaching a copy of the mailed complaint for your records. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX ( Reason for investigation : inaccurate information. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : Diagnostic imaging Services ( Reason for investigation : inaccurate information. Please Un-verify & delete this 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
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is the last time I am sending this letter to your company, Transunion, before I sue you for violating my rights as an consumer. Remove the alleged account below from my consumer report as you are in violation of 15 USC 1681b, being that I, the consumer, did NOT give you WRITTEN instructions to include this alleged information on my credit report. You are also in violation of 15 USC 1681a as it looks as though this alleged account is from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion is also in violation of 15 USC 1681c-2 as you refused to block this information within 4 business days of the receipt of my identity theft report even after I called and it was verified that your company received my documents and was then told that your company policy says 30 business days ... well that is NOT what the law says. Transunion is also in violation of 15 USC 6801 as both you and the creditor of this alleged account are apart of constructive fraud while simultaneously causing substantial harm to me as a consumer. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CBC Companies, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX through XXXX XXXX I was just trying to see with my credit I have now what kind d of buying power I have for a home which Ive done before with a soft inquiry. They initiated a hard inquiry which I did not approve .. spine with company and said the would request it to be turned to a soft inquiry but wanted to cover all bases FACTUAL DATA IS THE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a falsely reported derogatory creditor on my credit report. 

I had an account with XXXX XXXX XXXX with a credit limit of {$400.00}, in which the last payment on the account was XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. It appears XXXX XXXX purchased this debt in XX/XX/XXXX, and is requesting an amount of {$1100.00} to clear the debt. 

I have attempted to file disputes regarding this debt, with no resolution. 

XXXX XXXX last reported to XXXX and XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-08-21
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: Problem with personal statement of dispute

Complaint:
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reporting twice XXXX XXXX XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
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:
In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, XXXX and Equifax use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
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 bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a account without my written instructions.

Company response to consumer: Closed with explanation