BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX, Address XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX # XXXX. DOB XX/XX/XXXX I disputed charges for my chime checking account for {$280.00}. Chime denied my dispute same day, Reason : Error. 
For claim # XXXX I emailed chime XXXX XXXX that I needed to retract the information I told chime XXXX, because at the time when I called disputing charges, tues XX/XX/XXXX, I didnt realized my CREDIT CARDS WERE STOLEN! My chime spending account card WAS stolen. once I retracted my steps Tuesday, XX/XX/XXXX I then realized MY CHIME CHECKING CARD AND CHIME CRED BUILDER WAS STOLEN. I just went on chime app and deactivated credit builder card. Since chime was so eager to deny my dispute ( the same day ) I need to Dispute charges XX/XX/XXXX for {$83.00}. 
I have a Chime account With A Credit builder account/card and checking account, where there was unauthorized charges starting XXXX XXXX XXXX # XXXX, routing # XXXX. I actually realized on my break Tuesday XX/XX/XXXX and called chime reporting charges for {$280.00}. Chime XXXX started a ticket. I realized when I didnt have my cards in my wallet and honestly couldnt give him a answer to what happened! Later that day I realized my Chime Checking Card WAS STOLEN And My Chime Credit Builder Card along with my other cards. 
Chime emailed me the SAME DAY XXXX, DENYING MY DISPUTE DUE TO ERROR! I dont have that money that was spent. Now Im in the hole. 
Now since Chime was so eager to deny dispute I need to Dispute charges from my XXXX XXXX XXXX from XX/XX/XXXX for {$83.00}. It would probably be good idea to re-open my dispute AND ADD THE CHARGES FROM CREDIT BUILDER CARD. I informed chime I need a new ticket for ( Spending/checking acct. ) reopened and both disputes together. Unauthorized charges for {$83.00} & $ XXXX $ XXXXTOTAL Chime offers Visa Zero Liability Policy AND Deposits are FDIC insured up to {$250000.00} through The XXXXXXXX XXXX  or XXXX XXXX  XXXX XXXX XXXX XXXX FDIC. And we work hard to protect your information for all members!!!!!! I sent a pic for new charges I need to dispute. 
I would so appreciate it if you could help me with these charges. Im barely making end meat now. 

Thank you for your time XXXX XXXX On XX/XX/XXXX, at XXXX PM, Chime Member Services XXXX wrote : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
CHAPTERXXXXBANKRUPTCYFILEDXXXX

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00}

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 2021-03-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from XXXX XXXX as well as contacted XXXX XXXX. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections

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 2016-10-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a credit card from Macy 's. Without my consent, they enrolled me in a credit protection program from Citibank in which they will charge my account. I received a letter I was enrolled in the program. They provide a web site for me to cancel. i search the address sevral types and nothing shows up. I have to try to call them to cancel. I am a very busy oerson and I should not be enrolled on programs without my previous consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : 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 2017-01-13
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Other

Complaint:
Citibank sent a letter to me stating that I had been enrolled in their Identity Monitor program without my knowledge. They stated a link in the letter to submit a claim for repayment of the charges. When I tried that link, it did not work. I called CitiBank and talked to their customer service representative. I was told by that person that if I could not access the link provided, I could not file a claim to receive a refund. I have been a customer of Citi for years, but if this is the kind of customer service they offer, I think I will close my 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( Original Creditor : XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor XXXX XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; Medical  XXXX Balance Owed : {$240.00} ; Medical  XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX XXXX RESIDENT VERIFY Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items 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 non-monetary relief
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
This credit card company Capital One/Best Buy is reporting on my credit report {$2400.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].

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 2016-08-19
Company: CITIBANK, N.A.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out a private student loan in XXXX for about {$9500.00}. I 've been paying this loan back since XXXX and have been paying it back on a monthly basis ( though admittedly there have been some missed payments, but it has n't happened often XXXX. It 's now XXXX and I went online to check my loan balance through Citibank and found that it is over $ 10k and the interest rate is 7.5 %, which I believe is higher than what I originally signed up for. I sent them a message about this, and got a very canned response. I 'm currently paying about {$100.00} per month for this loan, and it was supposed to be a 10 year term. I 'm about 8 years in to this term and I ca n't possibly see how this loan will ever be repaid if the balance is higher than what I originally borrowed.

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 2020-06-11
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capio Partners LLC Account # XXXX, XXXX {$290.00} {$100.00} I have reached out this company several times, In reference to these accounts. These accounts are an result of identity theft. Iam disputing this debt because it is not owed by me.This violates the fair credit act by reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please issue provisional credit for dispute confirmation number XXXX in the amount of {$19.00} submitted on XXXX XXXX, 2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my XXXX XXXX : 1. XXXX XXXX Balance : {$14000.00} XXXX 1. XXXX XXXX Balance : {$14000.00} TransUnion : 1. XXXX XXXX Balance : {$14000.00}

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 2016-05-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank sent me an invitation to open a citigold checking account in return for an award of XXXX frequent flyer miles. The requirement is that : 1 ) I spend over {$1000.00} using the debit card ; 2 ) I use bill pay over 2 consecutive months. The award should be completed within 2/3 months after i complete my required actions. The account has been active for 6 months now, I have done all my required purchases, yet no award. In the meantime I am paying a fee every month because I do not maintain a minimum {$50000.00} balance. I agree to the fee, but I did not anticipate that the bank would take so long to give me my award. When I called in to enquire, the customer service agents refused to give me the details of the promotion and instead told me I have to make more purchases. I believe that citibank is fraudulent in that it falsely promises to award the XXXX frequent flyer miles upon my completion of the requirements and prolong the process to collect more fees from 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 non-monetary relief
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX   XXXX XXXX {$200.00} XXXX   XXXX {$2800.00} XXXX XXXX   XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX   XXXX {$310.00} XXXX XXXX {$2400.00}

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 explanation
Consumer complaint received 2022-05-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 1. XXXX XXXX Balance : {$14000.00} Equifax 1. XXXX XXXX Balance : {$14000.00} XXXX : 1. XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder TD Auto Finance failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. TD Auto Finance claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice of sue today. Ive been sending letters to the credit bureaus asking for validation of debt and I never received any responses until this sue. Ive asked for them to validate this debt and all invalid info they have and if they can not to remove this discover card. The debt showed removed then now they are suing and its back on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Exeter Finance Corp.
State: GA
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:
CFPB In accordance with Fair Credit Report Act XXXX Acct # XXXX has violated my rights 15USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 804 # 2 consumer reporting agency can not form a account without my written instructions.

15 USC 1666 B a creditor may not feed a payment on a credit card act under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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