BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX FCU # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency CAN NOT furnish 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 than seven years. 

15 U.S.C s-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.

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 2022-08-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Background : I am an American Express ( AMEX ) customer of over 20 years and have 5 personal cards with the company. I subscribe to their XXXX  service ( $ XXXXmonth ) which monitors and notifies me of changes to my credit report. In my 20+ years of service I have never missed a credit card payment or paid late. All my accounts with AMEX are enrolled in paperless billing ( i.e. I receive email notifications instead of paper letters ). 

Issue/Event : Failure to Send Customer of Adverse Action Notification In Connection with Credit Decisions XX/XX/2022 - I received an email notification from XXXX  informing me that American Express had reported a credit limit decrease to XXXX. This action negatively affected my credit score. 
XX/XX/2022 - I reviewed my email account and did not see any communications or notifications from AMEX regarding a credit limit decrease to this account. 
XX/XX/2022 - I called AMEX and their agent was unable to find any communications from them-to-me in their system related to the credit limit reduction. The agent said that the credit limit reduction should have generated a communication as someone reviewed and submitted the request on their end. I was never proactively notified by AMEX and only became aware of the Adverse Action due to the email from XXXX. 

Summary : American Express has taken adverse action against my account by reducing my credit limit. They did not inform me of this adverse action as required by law. I only became aware after it had been reported to the credit bureaus. Their actions have negatively affected/lowered my credit score. To restore my credit they want me to agree to a credit check which will further damage my credit score. 

I personally feel these actions are a form of targeted XXXX. I spoke to numerous representatives trying to understand what happened and why but they all admitted that this was an operational gap on their end. They may subject XXXX  or people of XXXX to sub-standard processes knowing that they will negatively impact their customers. AMEX and other credit card companies should not be given a pass when they fail to adhere to their operational processes that directly and negatively affect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX XXXX  XXXX, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX  # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX In accordance with the Fair Credit Reporting act Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-24
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XX/XX/2022, I found out a Chime account was opened without my authorization when I received an account confirmation email from Chime. I immediately emailed Chime asking them to close the account, which they did. In follow-up emails, I attempted to get more information about the circumstances surrounding the fraudulent opening but Chime would not give me more information. I completed all of the steps they requested, including submitting 1 ) the last 4 digits of my social security number, 2 ) an Affidavit of ID theft, and 3 ) a copy of government-issued ID, specifically my North Carolina drivers license.

At one point, on XXXX XXXX, they emailed account statements to me but, to open them, I had to sign onto their system. When I tried to do so on or about XX/XX/2022, I could not due to a problem with Chime 's system. When I emailed them about this issue, they claimed via email on XX/XX/2022 that it was a known problem with their system and that they would not be able to help me further. More specifically, they stated, " Due to our system limitations, we are unable to assist you further in creating an account and will follow-up with you once a fix is in place. We hope to fix this issue for you in the future, but at the present time, it appears you are unable to enroll with Chime. '' We then exchanged several more emails, the last stating, unhelpfully, that my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To state the obvious explicitly, I did not open the account and yet I still have not received any information about who or how an account was opened in my name from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received alert on credit report about collection from credit management about a bill from XXXX XXXX XXXX XXXX XXXX of the debt with a contract signed with by me with signature they only provide a address over the phone past due balance is {$730.00} but balance due is {$1300.00} an that could not be explained.Im requesting proof of this debt is mine with contract or something with my signature on it to validate the & also never had no contract on any with the credit collection company to have a passed due balance showing on my report asking is the information can't be provided the are to delete this off all my credit report immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: RFNA, LP
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX XX/XX/XXXX  I paid XXXX dollars to Republic Finance. I asked for my receipt to be mailed to meshowing the amount paid on the XXXX and the balanced of what is owed. I have called numerous times and they think it's a joke. They keep telling me it's in the mail, but from the XXXX  of XXXX when I paid the XXXX, until now, I haven't received my receipt. When I speak with them they think it's funny. It does not take that long to get a receipt to me in the mail. It is my belief that they are upset because I filed a complaint against them before, and they are refusing to give me a receipt. It has never taken them this long before. I usually get a receipt 2 days after I make my payment. It shows that the money was debited from my account on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$130.00} XXXX {$71.00} XXXX {$140.00} XXXX {$150.00} XXXX {$150.00} XXXX {$210.00} XXXX {$65.00} XXXX {$150.00} XXXX {$150.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXXXXXX {$940.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 than 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pursuant to 15 USC 1602 ( d ) and 1602 ( h ) my Mother, XXXX of the family XXXX, being a natural person, was unable to engage in commerce and thus never owed any debt. On XX/XX/XXXX, XXXX of the family XXXX was granted an extension of her credit via Freedom Mortgage Corporation. Pursuant to 12 USC 1431 ( a ), since Freedom Mortgage Corporation is a national mortgage bank, they borrow money and never loan. Pursuant to 15 1602 ( c ) the only appropriate way of engaging in commerce is with XXXX XXXX instead of XXXX of the family XXXX and honoring and respecting Uniform Commercial Codes 3-602 and 3-603. Pursuant to 1602 ( k ), the social security number on record should be utilized to credit/off-set the balance of the account to zero. Freedom Mortgage Corporation mailed out correspondences dated XX/XX/XXXX and XX/XX/XXXX acknowledging receipts of payments. Freedom Mortgage declined the payment and according to Uniform Commercial Code 3-603 automatically discharges any debts owed. Each and every payment that has been made towards this mortgage is a violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692e ( 10 ). The Mortgage via Freedom Mortgage Corporation is a violation of 12 USC 29.

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 2022-06-26
Company: Synovus Bank
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:
Remove that XXXX off my Consumer Report or all action necessary will be taking. 

As a federally protected, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Im sending a letter demanding {$1000.00} for each remaining item Equifax leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given Equifax many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Exeter Finance Corp.
State: MS
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 have tried to contact Exeter Finance, LLC on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Credit Corp Solutions has violated my federally protected rights. Credit Corp Solutions Inc. has and continue to try to coerce me into paying an alleged debt. They contacted me after I asked them not to contact me again they even called a new number for me that they did not have my permission to call, they continued using obscene and propane language and threatened to put the account on my credit report if I did not make an payment or an arrangement which is an violation of the FDCPA. Credit Corp is in violation of the FDCPA and the TCPA and assume civilly liable. An invoice for the violations will be mailed to credit corp solutions principle place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, Equifax and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. Equifax has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
Capital one reporting account # XXXX balanCe {$1100.00} reported credit card under my name send proof this account is no mine I need send me contract with my signature because never opened account still reinserted in my credit report violated my rights i need send me proof all your investigation because I rehuse accept this debt because never have business with this company send me letter with the address is no proof because person lost my identity I need put atention in my petition because this company danger my credit y need clean my profile because dont have made business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times to get the closed account removed due to XXXX violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but XXXX  refuses to delete the closed account

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 2023-09-27
Company: Chime Financial Inc
State: TN
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:
XX/XX/2023 my debit card was charged in the XXXX for {$210.00} at XXXX XXXX XXXX time. This couldnt have been me because I made a purchase at XXXX in Kentucky XXXX at XXXX. Theres no way I couldve travelled to another country in XXXX hours. I filed a dispute with my bank Chime ( XXXX XXXX XXXX ), and after XXXX months I was denied a chargeback for a refund of my money and told no error occurred and was simply left at that with no additional information

Company response to consumer: Closed with explanation