vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, charged my Chime Bank card, {$520.00}, for unauthorized repair to my vehicle. I immediately contacted my bank Chime to stop the transaction, I had to waite 3 days then file a Merchant Despite for unauthorized work done to my vehicle. 
I COMPLETELY followed every step with all receipt, phone records and a copy of another Automobile shops papers of what was actually wrong with my vehicle. 
As of today XX/XX/2022 a Chime Despite Respenstive will not reopen my claim to reverse the transaction for Unauthorized Automobile Repair, that In the State of Ohio is a law that protects the consumer. Chime Bank will not acknowledge or follow the rules that are in place where Chimes account holder resides and where the Unauthorized Repair has taken place. 
Today XX/XX/2022 at about XXXX XXXX I spoke with Chimes Desput Respenstive asking to reopen my claim ( # XXXX ) again because I was standing my ground on this Transaction. And I have faithfully Disputed this claim with Chime Bank from day one .The Respenstive refused to let me reopen the Desput claim and when asked why Chime Bank was not following the laws where there consumer lives he resisted FCC Bank Rules. 
And I said exactly!!!! Every Bank, credit card company would stand behind there customer when a law has been broken in the consumers State of residence. 
I am at a complete loss over how a BANK can allow a Company to keep my money for a unauthorized repair when I submitted 150 % proof that I never told XXXX XXXX to do anything to my vehicle but informed me of what the problem is. Along with the Law In Ohio, on Automobile Repairs, and Chime said oh well like it was there {$520.00} dollars. WHAT GOOD IS A LAW THAT PROTECTS YOUR RIGHTS IF ANY COMPANY CAN IGNORE THE LAW. 
IF THE REPAIR SHOP WOULD OF TOLD ME IN ADVANCE WHAT WAS THE ISSUE WAS THIS WOULD NOT OF EVER BEEN A ISSUE WITH CHIME AND MY MONEY, BUT THE UNAUTHORIZED REPAIR WAS NOT EVEN WHAT WAS WRONG WITH MY VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX {$13000.00} XXXX  {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX {$4400.00}

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo froze my account on XX/XX/2022. I was paid by direct deposit on this day of over {$1300.00} by my current company who I work for. I purchased a coffee at a truck stop ( I am a truck driver, and travel all over the USA ). I then tried to Venmo my husband, XXXX XXXX {$400.00}. We have venmo 'd each other for years and never had any problems before. It told me it could not complete my transaction and then I got an email right then same day froze my account. They will not tell me why they froze my account they asked me for ID and I sent it to him right away I also sent them my marriage license because I changed my last name years ago but my card still says XXXX. I've already changed it with them but just in case I sent it to them. Call after call nobody can help me email after email nobody can help me nothing has changed and they still have my account froze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Received alert from XXXX that a hard inquiry was made. 
I know this did not happen, I have not applied or attempted to open anything or made any changes. I was also out of the country on the date of XX/XX/XXXX and XX/XX/XXXX, which is when the inquiry was made and reported. My credit score was decreased from this hard inquiry, which is fraudulent. 
Called Experian and they told me to call Transunion, who would have more information. I called Transunion and they can contact the company ( XXXX in XXXX, WI ). I called this company with the phone # on the report and spoke with customer service. The XXXX agent did not have any information to share. I answered many questions for them and was transferred to a supervisor. After that no one came on the phone and holding I was disconnected.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Purchased a vehicle from XXXX. Upon acceptance, Exeter Finance took the loan. After completion of the loan, and receiving documents after possession of the car, it is clear that they manipulated the credit score and created a predatory loan. I contacted Exeter directly and spoke with someone in finance, who told me they took my score which was well over XXXX, and would entitled me to a different lender or apr, and averaged it with my co-signer, which is completely deceitful, as we were told that having a co-signer the loan is based on primary. had they disclosed this " average '' score, which in fact is deceitful and illegal, we would have removed said co-signer as they were just on loan to establish credit. Exeter is now refusing to adjust loan and wants me to return car and reapply which then would add further inquiries and decrease score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Io, Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Receivables management systems 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Incorrect Information Reported by Credit Bureau : Experian I am writing to file a new complaint against Experian for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by Experian and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, Experian as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them on my credit 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 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have new and updated information. 

NORDSTROM invited me to write them when they have inaccurate information about me or what they've reported to a CRA, so I did. NORDSTROM acting as a creditor AND a debt collector at the same time isn't legal, not to mention unethical and they should know that. After reintroducing myself, I let them know our relationship didn't include them acting as a debt collector. I reminded them that I extended my open-end credit as the original creditor through a credit application, and they are the secondary creditor. The way they re-extend credit back to me is through my originating the transaction with my credit card ( Social Security Card ) to open and fully pay the account. 

My consumer reports show the receipt for the transaction on XX/XX/2022, verifying that NORDSTROM used my credit card ( Social Security Card ) to get a loan from the Federal Reserve using my identifying information and application - although they are not me and did this without my knowledge or consent - and is actively threatening me to make payments to them that I do not owe. NORDSTROM has taken MY money but has no right to do so. NORDSTROM has already been paid in full and I do not owe any alleged debt. Therefore, I have not validated any alleged debt and refuse to pay it. 

I want our credit relationship to be on the right track and told NORDSTROM what it takes for that to happen : stop communicating with me as a debt collector ; keep the account open, active and in good standing ; only report the account as paid in full and on time to the CRAs ; XXXX the balance out monthly because this is an open-end credit card that has already been paid in full when they used my credit card ( social security card ) and the card includes a finance charge which is the sum of ALL charges ; return all my monies that were illegally collected because of the false and misleading forms that were sent. 

NORDSTROM retaliated against me for my dispute and CLOSED my account. They did this behind my back AGAIN. No notice was given to me. Now they are sending the inaccurate information to CRAs and ruining my reputation. NORDSTROM has taken advantage of me and continues to violate my rights as a consumer and natural person. Whatever the internal policies of NORDSTROM, they can not and do not usurp the Truth In Lending Act, which came to be to prevent fraudulent activities. 

I want all my money back because I paid cash on this account for the time it has been active, which is illegal as the account is an open-end consumer credit plan and has a finance charge, which shall only be paid with credit. I want my account reopened with clean credit history as paid on time and in full on a monthly basis to all CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Loan : XXXX My home primary residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Mortgage with : Shellpoint Mortgage After forbearance ended. As per the law in effect in New York I requested a deferment and to resume paying the monthly payments of {$9700.00} which is the same amount that I was paying before the forbearance. 

Shellpoint mortgage on Tuesday XX/XX/2022, XXXX XXXX XXXX ( the officer in charge of my account at Shellpoint ) called me and informed me that the deferment of the 18th months was approved and the modification that was offered will be canceled and replaced with the 18-month deferment. She asked me to pay the XXXX monthly due of {$9700.00} I accepted the offer and agreed to make that payment on Friday the XX/XX/2022. 
On Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX and Friday XX/XX/XXXX I called many times to make that payment and left XXXX XXXX voicemails as I could not reach her. I also left her a note with her colleague, in that regard to make that XX/XX/2022 payment of {$9700.00} Now when I try to make that payment Shellpoint renegued on the deferment and would only allow me modification with an increase of {$820.00} each month until the end of the loan. an increased amount that I can not afford which will eventually cause me a foreclosure and the loss of my home. 

Please I beg you to interfere and correct this injustice Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
i saw a doctor last XX/XX/2021 this vist was for a " well check '' this is bill for {$16.00} cents i have no idea what this id for a while back i received 2 others bills for around {$50.00} which i paid. 
this is unbeliveable that a year later i get another bill, and worse comes from a collection agency ... ... ... ... ... ... ... ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I feel what has happened is when they put it into their computer they used the same reference number each one for {$5000.00} not seeing their mistake they billed me twice they billed me on XX/XX/2022 and then again on XX/XX/2022 by using the same reference number and dates to come up with this {$10000.00}

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 monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation