BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: NCB Management Services 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX You are in Direct Violation of The Fair Credi Reporting Act ( XXXX XXXX XXXX XXXX XXXX, XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : il aiso states a consumer reporting agency can not furnish an account without my writlen instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well, Ive had this account since XXXX and I havent had a problem with it up until XX/XX/XXXX. They cashed a check for me. It was a two party check that belong to a friend of mine that I had cash for him and they told me that it didnt scan or something like that if I was gon na put a hold on this account and closed it through the first of XX/XX/XXXX Ive tried everything to solve the problem but I cant do any thing other than what Ive already done about it. The guy that originally wrote the check is my boss and he cant recall the money because its in my bank and now my money and he cant take money from my account and the guy that I cash the check for Has passed away may the XXXX XXXX Ive give her phone numbers Ill give them addresses are done everything that they ask to get my money but its still locked up and theyre closing my account out please help me. I worked real hard {$750.00} for my money its about caused me to lose my car over this, I appreciate any help I can get in. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
my XXXX payments are made on my direct express XXXX. as, I was issued a new card ; around XX/XX/23. my XX/XX/23 payment was made on my old card. after, receiving my new card, my old card would not work. every time, I call direct express ( XXXX ).. I get a recording, telling me to " call back later ''. how can I get my XX/XX/23 payment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has called me repeatedly using " No Caller ID '' after I have asked them to stop contacting me, they call and even though my identity was never verified they assured me they " knew who I was '' and the debt they are claiming I, the person who never verified their identity, " would be taken care of '' whether I verified myself or not. I have received calls at XXXXXXXX XXXX  and every hour or so after that from No Caller ID, the man on the phone admitted to doing this but said he " changed his number recently '' and couldn't help that it came up as No Caller ID. The number he gave me, when XXXX, comes up as being fraud and a scam on every link visible on XXXX. 
I am unaware of any debt I " owe '' and have never received any Debt Verification Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: OneMain Finance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I track my credit often and on the XXXX XXXX app I was given an offer to obtain a personal loan and the approval rating to obtain the loan was Outstanding. However, I went through the application process and was denied. This inquiry caused a decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Chime Financial Inc
State: NC
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:
I have been banking with Chime. On XX/XX/, I XXXX chime customer support to find their phone number. I have attached the number that showed up. When I called the number the person answered Chime Customer Support, how can I help you. I told them I was calling about there spot me feature and needed some information. Being my first time calling I had no idea that it was a fraudulent scam number. She verified my information and told me everything was set up for me to use the feature. After hanging up, I went to my Chime phone app and saw that all of my money was gone. I immediately called my mom and told her what happened. We finally found the correct chime phone number and put in a dispute. One hour later, chime denied my dispute. I called chime and told them I need a supervisor in the dispute department. I explained to her in detail what happened. She filed a rebuttal. Yesterday, they denied my rebuttal. I have no idea who the person is that took my money. When I called the initial number back they laughed at me and made barking noises. I was very upset and did not know who else to turn to. So I found your website online. I have enclosed all the proof that I have. I have since found out that Chime has so many complaints for the same thing and yet this keeps happening to us the consumers. I have only my pay to live and now am suffering due to Chimes negligence on not taking care of their customers. They did not even once try to block my acct. or bother to change anything so these scammers can not do this to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX You are in Direct Violation of The Fair Credit Reporting Act ( capital one XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 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.

15 U.S.C 1666B : A cradllor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Wells Fargo XXXX ) reported my account as late unlawful XXXX ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}? 
XXXX ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called Well Fargo dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by Wells Fargo that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within XXXX XXXX of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as XXXX XXXX late by Wells Fargo because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that XXXX ) my due date would be adjusted and XXXX ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note Wells Fargo confirmed that they do not report to the bureau for late fees. Also, phone conversations with Wells Fargo note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with Wells Fargo XXXXXXXX XXXX  I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, Wells Fargo XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request XXXX They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 and CARES ACT. 

XXXX XXXX XXXX account # XXXX Opened XX/XX/2013 has violated my rights. 

15 US.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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate. 

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They are also in violation of the CARES ACT.

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 2023-06-02
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was originally falsely posted under credence resource as a debt, until I contacted them and their rep verified there was nothing under my name or phone number and I made him aware I believe I'm a victim of identity thefy/fraud and it definitely was not mine, and it was removed ... I thought, apparently they removed their name and now reposting this which is apparently some unknow named XXXX XXXX that they know is not mine still are allowed to falsely report it against me and it's not mine, under now Enhanced Recovery Co L ( Erc which I already reported on I'd theft report ), and so I called today XXXX XXXX after it just reappeared under a different name supposed XXXX, who knows, it's not mine regardless and they know it and the rep I talked to today XXXX XXXX admitted further there is nothing under my name or phone number yet they still intentionally report this false report damaging me, my name and my credit.She wouldnt give me XXXX phone or address and made exuses, but what's relevant is she like credence admitted they know it's not mine therefore this should be removed immediately and XXXX reported to FCC.Please remove all false and fraudulent statements immediately as the entities reporting false information intentional are fully responsible and liable.Thank you! 
Btw, clearly I don't have an account number because this is not mine, therefore I do not have an account.Due to the bad practices of XXXX bad debt collectors credence and now erc posting identical intentional false reports against my name they can not be trusted after both had reps that stated and confirmed what I already knew, that I do not owe them anything, and still they report false information against my credit report.Should never be allowed.Please remove all false and fraudulent reports asap and cease further false reports, I'm already going through being a victim of identity theft and I am NOT XXXX XXXX and all know it, so remove please immediately.Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Advanced Resolution Services Inc.
State: PR
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:
This agency XXXX is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), 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 to whom the report relates. 
They are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I applied for the loan I didnt know insurances on the loan were cancellable, nor was it explained that the insurance on the loans would bear interest. It was not explained to me that using my car as collateral ( their appraisal ) would not be applied to the non-payment possession, only what they can sell the car for could/can be applied to the loan and I will still be responsible for the remainder. I would not have used my car as collateral if I had known this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: NCB Management Services 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: Their investigation did not fix an error on your report

Complaint:
I noticed an alleged debt put on my consumer report by you guys, I never received any communication from you prior to putting this on my consumer report. I am requesting 1099c of this account. This is unfair for reporting this account and be shown on my consumer report. I have attached my complaint letter and [ please read it carfully. If this situation is not handled accordingly, I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Capio Partners sent collections notice for a medical debt with dates ranging from XXXX in the amount of {$3900.00} that not only is NOT mine but also according to the hospital does not even exist, nor do the ALLEGED accounts mentioned in reference to the medical debts. I filed a police report with my local police department for fraudulent activity, disputed the transaction with Capio, who was fishing for more information. Unfortunately, I did provide my correct date of birth which I now realize was a mistake as I may be the victim of identity theft. I did not attach documents to this report as I do not want the scam company to have any more information of mine compromised, but I will gladly send all documents to the consumer finance bureau independently for review during the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting inaccurate information to the credit bureaus i called them to get it removed and the lady hung up in my ear after she refused to produce proof of me having business with her company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX XXXX XXXX. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I had two XXXX transactions on my chase account to XXXX {$250.00} and XXXX {$200.00} which I did not recognize. I called chase on XX/XX/2023 they filed a claim and gave me new log in as well as a temporary credit. Today XX/XX/2023 they reversed my credit and re refusing to fix it. Im short {$450.00} that I dont recognize please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Chime Financial Inc
State: KS
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/XXXX, my Chime card was stolen while i was on vacation. i called the number on their ad, and it turns out to be scam. After I realized it, and lost XXXX I called Chime to dispute and they denied my. I filed sn appeal and they denied that too. I just want my money back. It is crime and they are no participating in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A fraudulent address was added to my credit file by Lowes. I live in XXXX and the address added to my file was in XXXX. The credit reporting agencies said they can not remove the address and to contact Lowes. Lowes has not removed the fraudulent address nor responded to my request.

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 2023-06-02
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good day! 

I received a letter 2 days ago about a debt collection from a law firm name " KENOSIAN & MIELE, LLP '' saying I owed {$8800.00} from their client XXXX XXXX XXXX XXXX. From the letter its saying Original Creditor is with XXXX XXXX. 

They are asking me to call them within 10 days to settle the balance that I do not owed otherwise they will be forced to send me a court order or legal action. 

First of all, I never had an account with XXXX XXXX. 
Second, The letter doesnt look legit, its just a piece of paper without any seal or anything on it. So Im thinking it could be a scam or phishing. 

I attached the letter on this report for your reference. 

Please help me report this and figure out whats the best action towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 amount XXXX wells fargo just deny my claim even after showing them the proof and a police 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 explanation