BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I signed my loan back in to XXXX not aware of the 23 % internet rate tagged onto my account. I fell onto hard times during XXXX and my late fees sky rocketed along with adding interest on the account. Now in XXXX I still owe a massive amount for a car that should have never had this much APR. I read that New York has an open case on XXXX after reviewing their practices with dealerships and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

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 2023-07-15
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is in regard to Chime Bank. On XX/XX/, an individual from XXXX XXXX, FL got access to my Chime account information and made purchases unauthorized by myself. They framed themselves as a Chime worker and even made it so that their caller ID was Chime support 's real number. A few minutes later, the individual made purchases to my account, and when it was noticed that somebody had committed fraud on my account, I filed for a dispute. When filing my first dispute, it was denied due to mistakes being made on the claim. The claim was then filed for rebuttal with the mistakes being corrected. The representative said that the mistakes were corrected, but when denied again, I noticed that the mistakes were not fixed. As of today, I have filed for a rebuttal 4 times and have been denied. I have filed for rebuttal again today and submitted all supporting documents. I have filed a police report and reached out to both merchants and talked with their corporate offices. Even with that evidence, no resolution has been provided. It has now become an inconvenience and terrible customer support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: CITIBANK, N.A.
State: MA
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:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on 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
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am so XXXX off by Chase bank. I went to the ATM to make a deposit on XXXX XXXX XXXX, XXXX NJ XXXX The ATM ate my deposit. I went inside to tell XXXX of the tellers and they told me I would have to call customer service. Upon calling customer service I was told that Id have to file a claim and wait 10 days for MY FUNDS that I tried to deposit to pay my car note. Now my car note is past due and thats about to affect my credit thanks to Chase. Another rep told me that Id most likely receive a credit to my account within 4 days and I still havent seen anything. Im on day 3. I filed the claim right after the incident on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ) Capital One Collection {$920.00} on all 3 Bureaus. I've sent multiple letters asking for evidence and proof that this account belongs to me and no response or evidence of any kind. 

XXXX ) XXXX {$690.00} Collection on all 3 Bureaus. Same as above. I've received nothing from this company and I don't own this debt. It's been close to a year and no response. 

XXXX XXXX XXXX XXXX XXXX {$1300.00} on XXXX and XXXX. This was never an account I had personally. They have not send me anything and again no evidence of me owning this debt. 

I need all of these accounts removed immediately. Don't care what their excuses are and their justification for reporting these erroneous accounts on my credit. I'm not tolerating this fraudulent reporting any longer. I've tried long enough to get evidence and response from them and the bureaus. 

I need you to help me to get them to remove these negative immediately because it's holding me up from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Information belongs to someone else

Complaint:
erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-07-15
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's not my debt and I shouldn't have to pay it. It was already removed from my credit report. They need to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the late payment reporting on my account. I paid off my balance in full earlier before the loan original due date, yet the late payment reporting remains on my credit report. This is not accurate and reflects negatively on my XXXX XXXX. If not, I am requesting a full payment history.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-16
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with citibank on XXXX XXXX and deposited a third party check from XXXX XXXX government for XXXX. On XXXX was sent email saying my account would be closed in 60 days.they told me my funds would be mailed to me then after the 60 days I was told I wouldn't be receiving any funds.i contacted comptroller of currency and filed complaint so on XXXX I was told I needed a notarized letter from payee that says they signed the check over to me and the amount of check and I did that.then they wanted i.d . from me and payee I sent them that then they asked for a copy of my electric bill so I sent that then they said I would have to get the bank that wrote the check to sign a hold harmless claim that was done and citibank honored it and then I get email saying my funds were sent to regions and I needed to get with them to get my funds... I sent email asking which regions it was sent to with no response.i went to regions and regions called citibank and citibank asked them to put me on phone they asked me for ref number I gave it to them and she said her hands were tied and all she could do was open a new claim she would not tell me who my money was sent to or why.so I have no way to get my funds and don't know that they were even sent to regions and this has been going on for a year

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 2023-05-01
Company: Experian Information Solutions Inc.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2023-07-16
Company: CITIBANK, N.A.
State: ID
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:
So I was hung up on calling Citi preferred diamond card, customer service representatives twice. My card was to believed to be fraudulent. I was never able to access or create an online account I spoke with a customer service representative back in mid XXXX, and was told because of that confusion and mishaps that my due date would be pushed out XXXX XX/XX/XXXX. This was in XXXX. I finally was able to get through this morning. Today is XX/XX/XXXX and the gentleman was not willing to help me. Putting words in my mouth and getting very defensive I told him I am a customer. This is what I was told. Why isnt it not in your system? I asked to speak with a XXXX he would not allow the transfer, and I asked why the conversations were even recorded if They are if they could easily go back and verify that I had been told that my due date was a pushed out a month as a courtesy from city, this is an elite card. I just would like to see if theres any misconduct and to have city be held accountable possibly even paying half of my balance. I did a balance transfer when I signed up for the card when I applied for the credit card back in XXXX, it took over a month for the transfer to go through. Thats ridiculous plus a {$200.00} fee so if anything I want my {$200.00} back credited to my account and I want any late penalty or fee associated with this account to be reimbursed due to the fact that I was told it wasnt due until XXXX. Therefore I dont have it today that is what really made me mad. Thank you so much.

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 2023-07-16
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early Warning services did not do a fully in vstigation on the following fraudenlemt accounts Banks that were open up fraudenlty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX of, 2023, I received several unauthorized transactions that were flagged by Citi on my credit card, including a {$300.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reporting these fraudulent charges, Citi promptly reversed all of them, leading me to believe that the issue had been successfully resolved. 

However, to my astonishment and disappointment, on XX/XX/2023, Citi placed a letter requiring action on my behalf in the letter/notification section of my Citi app XXXX Given the importance of this letter, it was never been mailed to me or accompanied by an email notification as is usually the case. Regrettably, I only became aware of this correspondence on XX/XX/XXXX in which I immediately returned the requested documentation attesting I did not make the charge. The content of the letter revealed that not only had Citi failed to honor the reversal of the {$300.00} charge, but they also tripled the amount, falsely attributing a {$300.00} charge to my name and increasing the total to {$900.00}. This fabricated claim by the vendor, who possesses my husband 's name and address but used a fake email address, is deeply troubling. I am gravely concerned about the security of our personal information, as it seems the vendor could easily track down the individual responsible for the purchase made with the gift card purchase. Neither I nor any authorized user of the credit card has ever made a purchase from this particular vendor. A quick XXXX search of this vendor does not produce a business or company with this name - further supporting this is fraud. The website the vendor provided does not exist either. 

My bill is due today, and I paid the amount in full minus the {$900.00}. While I have contacted the fraud line on XXXX separate occasions and have been reassured that the charge would be reversed, no action has been taken thus far. I want to emphasize that I can not and should not be held accountable for the {$900.00} or the associated late or interest charges resulting from this fraudulent activity. 

Thank you for your attention to this serious matter.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
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:
Agency is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.

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 2023-09-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my debit card on or before XX/XX/. I reported my card lost/stollen when I returned home from my XXXX XXXX. reviewing my online account, finding unauthorized transactions, I notified Chime immediately of the loss of monies. The total amounting in XXXX, which XXXX of that amount was a cash atm withdrawal which should have been returned immediately under Regulation E. After contacting Chime multiple times, I was not given any contact information, case information on the claim or resolution. I explained it was a lost/stollen card and all transactions that were completed while the card was not in my possession should be returned immediately. Chime failed to return my money and kept filing this issue as a merchant dispute rather than a fraudulent unauthorized charge. Chime never investigated and closed my claim several times with no resolve and no monies returned. I contacted FDIC which responded with information on XXXX who oversees XXXX and XXXX. In closing I would like to include a conversation which took place over the phone with someone who described themselves as a representative to the their dispute team and told me I would receive and see those charges returned in my account with in minutes, and it never happened. When I called the next day to check on the status of this conversation, the chime employees said that there was no notes or knowledge of the person I spoke too. Attached documents shows Chime would return the money by XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Thursday XXXX XXXX a message was left on my cell phone. It stated that my husband needed to respond. I called the number that they left XXXX on Friday and spoke to a woman who identified herself as a lawyer by the name of XXXX XXXX. She stated that she was representing Capital One and that we owed {$3300.00}. She knew a lot about us, including our names, my phone number, where my husband used to work, our address and the last 4 digits of our SS # s. She was very believable, but we had no knowledge of this debt. She agreed to take a reduced amount if I paid it immediately. She sent me a form that made me suspicious, supposedly originating in XXXX, Fl when she was calling me from XXXX, IL. I told her I would sign on Monday. I contacted Capital One to make sure there was no debt, they told the card had been paid off years ago and advised me to contact XXXX XXXX XXXX  which directed me here.

Company response to consumer: Closed with explanation