BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company ( XXXX ) DID NOT threaten me! I chose the best option that contained " credit ''. 

The medical debt owed is for a Date Of Service of XX/XX/XXXX, collection has it dated in its office for XX/XX/XXXX. They can not provide " an original delinquency date ''. 

While XXXX is ignoring credit reporting rules for medical bills, it states '' they send to collections after 45 days in their office '' and " they do not remove from credit, even if paid under the {$500.00} threshold '' The Credit Bureau ( Experian ) is deliberately ignoring it's own rules volunteered XX/XX/XXXX ) which states ( see below ) This bill should not have been reported to my credit report in XX/XX/XXXX. I am in agreement to pay this bill, with its removal as stated by the rules. Credit Bureau is not standing up to its word. 

How many other people are the Credit Bureaus ' doing this to?

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 2023-04-11
Company: Chime Financial Inc
State: KY
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:
I use the Chime credit card to receive my direct deposit paycheck every week. On XX/XX/XXXX while at work i got several chime notifications that my chime card was being used in Tennessee for {$75.00}, then {$170.00}, and another {$170.00} at XXXX. I immediately got on the chime app and locked my card, but they still let another {$75.00} charge come through. My fraudulent charges were totaling over {$400.00} at this point. I called chime and they said they could only refund the {$75.00} charge that was allowed through while my card was locked. They said for the other {$350.00} I have to wait until it is out of pending to dispute. On XX/XX/XXXX when charges were fully posted I contacted chime again, told them I had opened the dispute already for the charges, to which they said my case will be closed on XX/XX/XXXX, several months from now. I said that is a ridiculous amount of time to wait for my stolen money to be refunded, to which they said they XXXX be able to issue me a temporary provisional credit to cover the charges on XX/XX/XXXX. The supervisor says that she can not personally issue the credit, no one can, that it is all done on an automated system. I asked if I could speak to the fraud department investigating the charges and each time I called the supervisor always says no they dont have contact with them at all, no email or phone number can be given. It is not right that my money was stolen from me in a different state and I can not even be issued a provisional credit. I am out {$350.00} still. They also would not send me an email transcription showing each time I call or any type of paper trail about my complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I have tried several times to get inaccurate reporting removed such as listed below, Date of birth ( inaccurate ) Address 's ( inaccurate ) as seen on XXXX and Experian.

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 2023-04-11
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was a identity thef ( NORDSTROM/TD BANK USA ) was XX/XX/2019, some one take out this account, i report this to this company!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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 XXXX XXXX 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 2023-04-11
Company: JPMORGAN CHASE & CO.
State: TN
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 noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, jpmcb - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This creditor has been on my credit report for years. I have previously asked for validation of the medical debt and they have failed time and time again. The most recent request was on XX/XX/2023. Also, they have placed a new medical debt of {$150.00} on my credit and under current laws that is illegal. I have even tried to to simply pay {$400.00} to get rid of this debt so i can proceed with buying a house and they wont allow me to. Now, XXXX was this validated within a timely manner so i can buy a house.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance off in full on XX/XX/2023. I received a statement with a interest charge. I called Bank of America to find out why they are charging interest on a {$0.00} balance. The c/s agent said that the card had to have XXXX months of {$0.00} balance to not accrue interest. They are charging interest for a {$0.00} balance -- this sounds like a junk fee.

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 2023-06-08
Company: MARINER FINANCE, LLC
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MARINER FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MARINER FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Driveway Finance Corporation
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Extra principal payments were not applied correctly. Charging daily interest rate based on a 360/360 interest loan. We were told by finance that it was a simple annual loan. Daily interest rate is fluctuating daily even after paying {$200.00} extra every month since we established the loan ( 18 months ) interest should good down since the loan principal goes down, but it does not, it fluctuates daily. We have spoken to driveway finance many times regarding this with NO clear answers. First time XX/XX/XXXX and more recently XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I am so displeased with the way my information was used by Portfolio Recovery Associates. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-06-08
Company: Experian Information Solutions 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} 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 2022-09-20
Company: Experian Information Solutions Inc.
State: IL
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 was alerted by Experian my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to Experian and to our current mortgage servicer, XXXX ( XXXX XXXX XXXX ) Experian states this information is coming from the mortgage holder. XXXX is not the mortgage holder, however they are my contact for discussing my mortgage. I called XXXX, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to XXXX, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great XXXX of XXXX. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.

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 2023-02-16
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23, I received a letter from Paypal XXXX XXXX ) which included : a routing number, a bank account number, a debit card with my name, and my current recently moved into address. I do not have nor have I had business with PaypalXXXXXXXX nor did  I request this card or account to be created. 

I called the number listed on the letter that I received to ask who created this account, when, how was my data received and for clarity in this process. The agent that took my call refused to provide me her employee ID or client identifying number, she refused to transfer me to her supervisor, did not share any details and just transferred me back over the the start of the prompts in the Call Center queue. This makes me think the agent was trying to avoid a quality monitoring or a score that I would receive and did not want to do her job. 

I got in touch with another agent who did provide me with her identifier number, but she just wanted me to disregard the card and the intent they had. She refused to direct me to a person or department that could give me the information I asked for, she refused to say who, what or when the card was issued and said she didn't have that information. This is a lie as its basic CRM practices and due to FTC regulations, they need to keep the data on all accounts they open. On the fifth attempt to get transferred to a supervisor, they made me wait over ten minutes to speak to one.+ Supervisor refused to provide any information except his employee ID and just wanted me to be happy I was opted out of future marketing campaigns, but not acknowledging the issue at hand of how they received my data and how could they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Global Lending Services LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a car loan through XXXX  XXXX and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company XXXX  XXXX in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was XXXX  XXXX, and also XXXX XXXX the rest I had Absolutely no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later t

han 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no
other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have an XXXX XXXX XXXX. For a long time, this card was administrated by XXXX XXXX XXXX. At some point, it appears that this card changed ownership and was now being administrated by the First National Bank of Omaha. At XXXX XXXXXXXX XXXX, I had autopay set on the credit card and did not miss payments. When this card was transferred to First National Bank of Omaha, this autopay information was eliminated, resulting in two missed payments. I did not receive a notice of this change of service providers and missing information or changes to my autopay from either XXXX XXXX XXXX or First National Bank of Omaha. The first outreach I received was third-party credit agencies hounding me for missing payments. After finally discovering the change and enrolling in an online account with First National Bank of Omaha, I called First National Bank of Omaha, and they admitted their mistake and removed the two late fees as a courtesy. However, they had already reported the missing payments to the credit reporting agency, resulting in a diminished credit score. I asked that they helped me remediate this situation by amending their reporting. They stated they were unable to do so.

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 2023-03-27
Company: Chime Financial Inc
State: NV
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:
On XX/XX/XXXX my chime bank account was hacked into and over {$2000.00} was stolen from me I have filed a dispute twice and it has been denied both time. I have also filed a police report. But they refuse to give me my money back or take responsibility for what happened.

Company response to consumer: Closed with monetary relief