BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account on XX/XX/2022 saying I wasnt in compliant with its internal policies and the member agreement executed at enrollment. I have over {$1600.00} in my savings account with chime and about {$30.00} in my checking. After sending over documents to prove my identity several different times I received an email stating that they closed my account and I would receive and check with any money that was in my savings and checking within XXXX of the account closing. Its now the XXXX of XXXX and still nothing, Ive called multiple times and they keep saying the same thing which is to wait to receive and update email from chime support I explained to them that Ive reached out to chime support on XX/XX/XXXX and all I keep getting is automated messages its just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX within my Chase QuickPay app to pay to an email address of one of my contractors. When I sent the the payment, it was not received in the intended account that belongs to my contractor, but in some other account. When I then received a request from the same contractor with the same email account, the money did arrive at the correct account. Thus I had two transactions, one for {$130.00} that went to the wrong account and one of {$130.00} that went to the right account. I filed a claim with Chase, but they denied it because I initiated the transfer. When I tried to dispute it, I got the run around with their customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank On XX/XX/2021 I purchased XXXX XXXX Products from their website using my Citibank Debit card, at that time they double charged me. I immediately tried to inform XXXX via their Instant Messaging. Since their messaging system is useless and uses pre-programmed responses, it was a vicious circle trying to tell them they double-charged me. 

I immediately contacted Citibank to let them know. They insisted I wait a few days to see if it drops off. It did not. I disputed the charges repeatedly and Citibank contacted XXXX. They claimed that I made two separate charges, that is a bold-faced lie. I only have one computer. Why would I order two? It is mind-boggling to me how XXXX would not just refund me the {$69.00}. I have disputed this charge with Citibank no less than five times and walked into my Local branch where they reversed the charges and then Citi Corp. re-charged me because XXXX continued to say I purchased two. 

I am confused, this is my Bank account and they refused to protect my Account. Citibank stated that XXXX determined that I bought two subscriptions. I have been a Customer with Citibank since they changed from XXXX 20 years ago. 

I just dont understand why XXXX XXXX XXXX company would forcibly steal {$69.00} from a single XXXX with two children and Citibank is complicit in allowing it. After seeing Citibanks F Rating on the XXXX Rating of XXXX stars out of five, its no wonder they have a one star rating and over XXXX complaintsI am clearly NOT the only one having issues. I believe they need to be investigated for improper/unethical Business Practices. 

Any assistance in this matter would be greatly appreciated. I look forward to your response. Please let me know if you need anything further from me.

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 2022-12-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved out of our apartment ( XXXX XXXX XXXX  ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX ( property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-23
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
roughly 8 years ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company I worked for at the time, XXXX XXXX XXXX XXXX, sent me to XXXX XXXX in XXXX, Rhode Island, and never paid the bill. I have been contacted by the hospital and several different collection agencies over the years and told them it as a work injury and the bill is not mine, to no avail. 4 months ago Commonwealth Financial Systems took over the collections and sent it to my credit report. My score went from XXXX to XXXX in 4 months over a debt that isn't mine. I want this to stop NOW and i want the negative credit marks repaired immediately. I also want to know if there is civil actions I can take because I am starting a small business and cant get a loan, or credit, directly because of this and I'm already over XXXX into the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX XXXX XXXX XXXX not mine

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Follow-up 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}

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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I gave boa {$3000.00} to secure a credit card in XX/XX/2019. 14 months later they have not returned the funds. Lying cheating thieves, this has been voiced in previous complaints. So far cfpb has done NOTHING.

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 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We asked Well Fargo to Lower our Interest rate on our Mortgage as we were having a difficult time paying the mortgage when my husband lost his job. The Interest rates had decreased and we did not want to lose our property. At that time we were both XXXX XXXX XXXX and in the throws of the Great Recession and we both lost our jobs. We submitted and resubmitted the papers required at least 3 times. Afterwards they rejected our request and was told to GET A JOB. 

We Finally had to short sale our property in XXXX XXXX, XXXX. Which ironically was sold to the President of the HOA affiliated with our Development. 

To be degraded by Well Fargo as senior citizens was as devastating as losing our Property.

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 2023-04-25
Company: JPMORGAN CHASE & CO.
State: TN
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: Problem with personal statement of dispute

Complaint:
XXXX, XXXX, date opened XX/XX/. Inaccurate information. I paid entire balance prior to due date with agent on phone. Account still went to charge off,.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by my bank that my credit score dropped 47 points and began investigating what could have happened. I pulled an Equifax credit report and learned that MRS BPO , LLC on behalf of XXXX XXXX filed a collection against me for {$290.00}. I do not have an account with XXXX XXXX and verified that with the company. I was never notified of any debt due. I believe this is a mistaken identity case. I talked with two representatives of XXXX  XXXX and they both verified I do not have an account or owe money. They transfered me to the collection company where I was talking with someone when the call disconnected. They made no attempt to contact me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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 2022-03-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is regarding Transworld Systems. I have requested several times, via correspondence and telephone calls that Transworld Systems delete a collection account they have listed on my credit report. Transworld Systems has not complied with the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act, FCRA, and FDCPA. Transworld Systems ' response to my request for verification of this collection account includes the final invoice from the original creditor. This is not what I'm requesting they provide. I would like and have been requesting for months, that Transworld Systems provide me with the original contract bearing my signature from XXXX XXXX stating that I ever agreed to pay an assigned debt collector. To date, they have not provided this to me. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Transworld Systems is breaking the law by negatively reporting this information to the Credit Bureaus. Further, On XX/XX/2022, I paid the full amount due on the account ( {$680.00} ) to XXXX XXXX, the original creditors. I then, contacted Transworld Systems asking them to remove this bogus collection account from my credit report since I never owed them any money and they could not prove to me that I did. They stated that since I paid XXXX XXXX, I should contact XXXX XXXX to have the collection account removed. I then, contacted XXXX XXXX who informed me that Transworld Systems is responsible for removing the account. I am submitting this complaint today because Transworld Systems should not be allowed to list this account on my credit report since they never proved that I was in debt to them ; and since the account has been paid to the original creditor, XXXX XXXX, the account/debt should be removed immediately, it is causing me great financial hardship. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 I was speaking to a Custom Service Rep/ Supervisor who did try to answer my question but they were not able to help me understand why XXXX was taking out in XXXX for XXXX company and denied XXXX times for another. I was told on a recorded line that ended at XXXX pm that they only allowed during tax time and I informed them I am XXXX receive XXXX and I dont file taxes so why would that be applicable as I dont pay taxes and spend up tax money as the rep prior was told to say to a XXXX person who doesnt blow tax money because I dont receive it. I went on XXXX XXXX to ask fellow Navy Fed members do any of them have insurance being taken out of a regular savings or shared savings that are being utilized and out of those how many have are currently still allowed? That would be a huge contradiction and then my thoughts of the whole its tax time seems a bit discriminatory even with the best verbiage. I posted on XXXX XXXX to get some answers bevausr I would like an explanation. When Speaking with the Supervisor I was told verbiage they follow policy and that I was given a courtesy for the transaction from XXXX weeks prior which contradicted the entire statement and conversation which is my issue. So when speaking telling a person they allow during tax times and toward the end of the year they stop I informed the supervisor I have all my correspondence from when my husband and I opened the account. I do not see in policy who is the deciding factor for choosing when and why they will or will not allow you to pay out of savings because I currently pay all XXXXXXXX XXXX XXXX XXXX XXXX from that account but they rejected XXXX with no correspondence. I do not see anything about tax time or courtesy and its alarming?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: NM
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:
This problem is actually due to inaccurate reporting by my mortgage holder XXXXXXXX XXXX XXXX  which is the subject and related to 2 prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint XXXXXXXX XXXX back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure XXXX  took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at XXXX XXXX that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.

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 2023-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have called USAA multiple times to update my new phone number and they are refusing to allow me to. They will not cancel my account despite multiple requests to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation