BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a email from Chime that my phone number has been updated to XXXX which is not my number and that my PIN number was changed. Immediately when I saw that I tried to log into my chime account but was not successful. I went back to the email and replied I did not make changes to my account and I received a link from Chime to update my information I followed the steps change my phone number back to my number and was able to gain access to my account. When I logged into my account someone had made a purchase at XXXX {$2500.00} and attempted to make another charge of {$30.00} that declined for company called XXXX. I reside in XXXX  it shows the purchase was from a XXXX XXXX location. I contacted chime and advise them I did not make the charge and started the dispute process. I was advised it can take XXXX days because the charge was still pending and its possible the funds wont go through and will go back to my card but if the payment does process it can take XXXX days to resolve. They also issued me a temporary card and are sending me a new one in the mail. On Saturday XX/XX/XXXX I received a email from chime that my dispute has been closed and no error occurred. I called Chime back to find out why was it closed and the representative could not provide me with that information so she reopened the dispute. The representative advised me to change my email address which I did and update my chime account. I am very concerned that Chime is not going to give my money back and I dont think they really did an investigation just closed my account. I have no money Please help resolve this I did not make this purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card with Chase. It is past due on payment right now and I'm aware of the situation and I'm doing everything I can to get back on track. Chase is repeatedly calling me, when I answer they hang up and then call right back. Today since noon I have received in excess of 40 calls. I'm not avoiding the company but when I answer I get no Responce. I have all the calls recorded and phone records of the amount of calls. Their intent is to harass and cause undue hardship with emotional distress on my current situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Unauthorized collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020, we were given the approval for a loan modification on our Mortgage. Our new loan/modified loan was set to begin XX/XX/2020. I made our payment for XX/XX/2020 in XXXX as soon as our modification was approved, and planned on paying our mortgage from XX/XX/XXXX onward with no issues. Our company then notified me that our loan was going to be transferred to a new servicer as of XX/XX/2020. On XX/XX/2020, I contacted my new servicer, PHH Mortgage to make my payment. They stated that I was behind all the way back to XX/XX/2020. They had no record of my modification or that it had been completed. They said they could research it and I send them my completed and recorded modification twice over the next couple of months. They would not allow me to make my payment unless I had enough money to make approximately 5 payments due to them Showing that I was behind that far. I didnt have XXXX $ to make this many payments so they would not take my payment until it was either resolved and showing that it was modified or else if I had the entire amount. I have called and spoken with this company 1-2 times per week since the beginning of this transfer and they still have not shown or updated that my loan was modified right before being transferred to them. I have provided proof and have been following up non stop. This has caused my husband and I to just decide to sell our home while we still can because this has been so XXXX. I have not been able to sleep or eat and it has caused XXXX XXXX due to XXXX. I have been very patient and very diligent trying to get this resolved. I am extremely worried this will affect my credit for a long time to come and I feel it is absolutely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi This is my third time filing a complaint against Bank of America! they owe me money they messed up my account my car got repoed because of what they did they took money from me several times.. and told me that they could not credit my account due to the funds that disappeared was a ghost transaction! whatever that meant. I called daily to resolve this issue asking them how did all of my money disappear from my account? I was told i used it.. before it posted! which i knew was a lie. it was mysterious to myself. and i didn't understand it at all.. this started back on XX/XX/2023 and my account never got solved. i kept calling and also going to the XXXX Texas Branch to speak with Managers only to find out that my account had been closed due to it being a Risk account. I didn't understand why they would close my account without at least giving me back my money. The Manager XXXX ask me did i not receive a check? I told her No I did not receive anything. Then I ask her why did they do that to me instead of just resolving the issue? I was told by here that Bank of America has done this to people that had been with them as long as i had with no warning.. they would just receive a letter stating that the account had been closed.. because they had decided not to do business with that Individual anymore!.. I was with bank of america on and off for 24 yrs.. and i never understood why my account was always low after depositing large amounts and would have to figure out how to pay my bills after i had just put money in my account and being told that they money was already used and that once the money posted that it all went to whom ever i paid or whatever i spent. I am in XXXX because of this.. i have lost my car XX/XX/XXXX because the money i paid for my car bank of america claim i disputed my car note back three months alone with bills and other things that i had to pay triple too.. i made a few reports to you all.. and nothing happen.. i am asking that you all please help me.I am a Grandmother of XXXX children and has now taken on a XXXX that was abandon by a family member and this is not right.. for everyone that this has happen too.. this is wrong.. not to mention they just sent me a letter in the mail asking me to reconcile my account starting out with {$8.00} yes you read that correct {$8.00} i am livid and i have been in deep XXXX since this happen to me! i can only imagine how many people this has happen too. I HAD two accounts with Bank Of America the one i entered the info and the other one i can't remember the account number but it ended in XXXX the one that I have on your page is the one that i found

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 2022-10-16
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX  took out XXXX charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to XXXX  notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of XXXX XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and XXXX  identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from True Accord on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer 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 2023-10-14
Company: Waypoint Resource Group, LLC
State: IA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a new inquiry on my credit report today. I looked at it. It was a debt collection for {$1100.00}, negatively impacting my credit score. I called the phone number. The lady asked my first name and amount owed. Then she asked how I want to pay for the debt or remove it. I responded by saying that I first want to know what it is even for, so I know how to respond. She would not continue any further unless I stated how I want to resolve this debt owed. I again ( 2 ) in circles with her, wanted to know what its for first. She would not tell me. I hung up, looked at my credit report again and discovered that its the exact same amount for an old XXXX XXXX debt that was attempted to be collected by a company going by a different name. I realized that my credit score is being hit twice by 1 debt collection. Maybe from a new collector that bought debt from a new an old collection.

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 2023-10-13
Company: DISCOVER BANK
State: AL
Product: Credit reporting 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 recently check my credit report and there were several unauthorize hard inquires on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: 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 XXXX has me at a score around XXXX. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX 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 XXXX homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Called TransUnion on XX/XX/2023 and spoke to XXXX. XXXX XXXX that they are fraudulent inquiries on my credit report. 

Provided XXXX names and date of all the fraudulent inquiries and XXXX said they will b deleted within XXXX hours. 

Checked my TransUnion credit report today and all they inquiries XXXX said that would be deleted are on my credit report. 

TransUnion can obtain the recorded conversation they recorded that would corroborate my position. 

My attorney informed that I can sue and he will request XXXX recorded phone conversation with XXXX on XX/XX/2023, which XXXX acknowledged all the hard inquiries will get deleted with XXXX hours.

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 2023-10-14
Company: LEXISNEXIS
State: IL
Product: Credit reporting 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.

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is for {$11000.00} it was in my father name I was added on the lease and he passed away and my lease already ended

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit has repeatedly stated for the past XXXX years that they were trying to collect a debt on behalf of XXXX They also have done the same thing for an account previously owned by XXXX XXXX... 

This is not only NOT true, But a Lie... They said on multiple occasions that the Creditor would not approve my offer to settle for less than what is owed. I explained my hardship over and over. 

I am also in the state of Nevada, the statute of limitations to collect credit card debt is XXXX years. That starts from when the XXXX payment was missed which was before XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX . Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX XXXXXXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # 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 purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX 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 response to consumer: In progress
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Home Loan Center, Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was trying to get a personal loan, company claiming to be Lendingtree approved me for {$3000.00}. On XXXX  morning there was a deposit into my checking account with XXXX XXXX  of {$800.00} dollars. Company said I had to repay to show signs of trust. They directed me to go to XXXX and buy XXXX gift cards and put the money on it and call back with gift card numbers amount on each XXXX and I did because it was not my money. As soon as I got home they called telling me I had to do it again XXXX more time. I said no, hung up and blocked their number XXXX. I am going to my bank on XXXX  to close out my account because I don't know what their intentions really are. My gut told me it was wrong, I have not lost anything yet and hopefully I can be proactive in Changing my bank account. This was wrong

Company response to consumer: Closed with explanation