BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with Chime and on XX/XX/2023 there were 3 transactions into my account that I didnt make or approve, actually 2 of 3 transactions and the 2 of biggest ones were even for an actual company. There was a debit at XXXX for {$650.00} USPS XXXX ( fake ) and then the same fake company again debited {$700.00} at XXXX XXXX. There was also another smaller debit at XXXX for {$28.00} from XXXX of which I didnt make. I disputed these charges with Chime and notified me after 2 days and said they had investigated and the dispute was closed and I wouldnt be getting any of my money back. I asked for information on the investigation to no avail, I only received the same information I had given them. I am a disable dialysis patient. I had to borrow money to pay my rent after incurring extra fees. I lost my car insurance. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of Identity Theft and have been harrassed by Portfolio Recovery for over 2 years of trying to dispute this issue. They are collecting for XXXX XXXX account that was opening fraudulently. Each time I spent hours on the phone with a Portfolio Recovery associate just to be contacted again the following day by another Portfolio Recovery Associate to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX  : Fraudulent text alert. Customer immediately called Bank of America to stop any further fraudulent transactions. BOA representative said all transactions were stopped ( they were not ), submitted a claim for the amount rep found approximately {$250.00}. Rep assured costumer problem was taken care of. 

XX/XX/ : More fraudulent charges. Customer called BOA and spoke with 3 reps, who all saw different fraud transaction amounts but could not add up all transactions without the help of the customer 's detailed spreadsheet of transactions, names, and amounts. These transactions were added to the open claim after several hours of going through each transaction carefully. One claim totaled {$4500.00} at this point, another claim totaled {$660.00}. BOA assured customer the problem was now resolved. 

XX/XX/23 : Costumer checking account was credited. 

XX/XX/23 : Charges that were resolved are now being debited again from customer 's checking account. Customer spoke with approximately 8 BOA reps on the phone, receiving no helpful information. Customer went in person to local BOA banker to resolve issues. No resolution occurred, only more phone calls with no answers. Banker unable to place customer with a person in direct power and decision-making. 
Customer checking account now fully drained and overdrafted.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and noticed inquires that I did not authorize. I reached out to the companies by phone and the issue was not resolved

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 2023-11-14
Company: Experian Information Solutions 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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a account on my credit for XXXX XXXX opened XXXX for {$210.00}. I have never received information on the debt and have tried to dispute through my credit asking for validation including information proving I opened the account but they never send me anything they just validate and keep it on my credit. I have been trying for almost 5 years to get it removed or validation. At this point I want it removed as I feel my rights have been violated by them not providing proof that I opened this account and that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was given an a car rental estimate for {$370.00} for XXXX. XXXX was not transparent and forthcoming with its undocumented fees and taxes. 

I was charged {$440.00} ( an excess of {$71.00} ) due to undocumented fees. It is my believe that XXXX does this to quote users lower than advertised car prices, then to levy undocumented fees and taxes to its users. 

Chase would not dispute this overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a request for information letter to PHH Mortgage Services ( Reverse XXXX ) on XX/XX/2022. The letter had attached to it a Third Party Authorization in my favor signed by the borrower. PHH signed the USPS Certifed Mail " XXXX XXXX '' for my XXXX letter showing receipt by PHH on XX/XX/2022. In numerous calls to PHH on XX/XX/2022 and XX/XX/2022, PHH representatives said to me " you are not authorized on the account, therefore we can not discuss it with you. '' They say they have no record of the third party authorization. They refuse to connect me with a supervisor -- stating that there is no supervisor available. 

On XX/XX/2022 I re-sent my letter of XX/XX/2022 with the the Borrower 's Third Party Authorization to the PHH email address at XXXX. I also tried six times over the course of 24 hours to send it again by FAX, but each time I received notice that the FAX was not received because the PHH FAX line is busy. 

My client is due to exist a period of forebearance on this FHA insured reverse mortgage on XX/XX/2022. The client was in a repayment plan before forbearance began. We want to apply for a Maine HAF Program grant to help reduce the amount due on the repayment plan. We can not do that until we can communicate with PHH about terms of the forebearance exit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: UT
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:
My XXXX loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: NAVY FEDERAL CREDIT UNION
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Filed complaint on XX/XX/XXXX about not being able to access funds for an international transfer. Following up : gave them all ( and more info ) Navy Federal Credit Union requested. Pieced together from various customer sevice reps who appear to have no set rules nor scripts to read for a person asking to transfer money. 

Latest : Sent all the info they asked for. Even went online to find a form that someone used that has navy federal logo. Filled that out. 
Sent an email with info requested via email. No response. 
then went to app messages. Sent the same email via pdf and multiple " security check info ''. Again no response. 

Called : somehow transferred to a rep who had no idea what i was talking about and then XXXX oh that's another department when gave her the cc_resolution navy federal email handle. 

On hold, no checking in. Until the shift/office closed and was told : I can not hear you I am disconnecting the call. 

Consider the latest NFCU news : Will not go into that but a XXXX search gives multiple lawsuit actions. 

Why am I not able to access my funds in a reasonable amount of time? 
Why no form on your app or on your website? 
Why multiple conflicting answers from your telephone reps? 
What is with the wait for 30 minutes tactics/ Why am I not able to transfer money out of Navy federal on the same day? this is purely stalling ... and who wins? NFCU Audio recordings of calls, notes, etc. made. Not to be shared right now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX XXXX   CARDXX/XX/XXXX {$5300.00} XXXXXX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion, XXXX, XXXX has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with zero balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.

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 2020-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened a XX/XX/XXXX XXXX XXXX credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by XX/XX/XXXXXXXX XXXX via email and by Portfolio Recovery for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with Portfolio Recovery that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
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:
Purchased one time XXXX XXXX for 19.97 - received them and did not like them and did not order anymore in XXXX of XXXX using Bank of America Credit card. Because of Covid - found our that XXXX XXXX  was charging me every month on my Credit card for the same amount - without any product delivered or wanted. Contact Bank of America and on several occasions and they continued to deny XXXX and finally spoke to a Supervisor who said it was not Fraud but Dispute over Billing and promised me that it would be credited. Now I received a letter stating that I needed to provide original documents ( which I can not - was a XXXX  ad ) or they would not help me and stated that it would be easier to cancel my request. I tried calling XXXX XXXX  company and could not get a response.

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 2023-08-23
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: Atlanticus Services Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I applied online for a Fortiva XXXX and was approved online that same day. I realized I had made a huge mistake because of the fees involved and the low ( {$700.00} ) credit limit, and the fact that there was an annual fee of {$200.00} plus a {$25.00} authorized user fee for an additional card for my spouse. I attempted to call the company at the only telephone number provided on the initial correspondence ( XXXX ) to cancel the card before it was activated, but the telephone call caused activation of the account. On XX/XX/2019 I wrote a letter to Fortiva requesting cancellation of the cards. The address shown for correspondence on the account is XXXX. XXXX XXXX, XXXX, Georgia XXXX/ I have had no reply to my request. 

I have not used the cards at all. I received an invoice from Fortiva on or about XX/XX/2019, wherein I was charged an annual fee of {$170.00} and Authorized User Fee of {$25.00}. The new balance amount was {$200.00} with a minimum payment due of {$25.00} due prior to XX/XX/2019. 


In the cardholder agreement, under " ACCEPTANCE OF THIS AGREEMENT '' it reads " Your activation of your card, your use of the account, or any payment made on the account, evidences your acceptance of the terms of this agreement. '' I called to cancel the card, but my call activated the account. I wrote a letter ( copy attached ) requesting cancellation, but apparently my request was ignored. I do not feel that I am obligated to the company for user fees when I have done everything I know to do to cancel the card before it was activated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account name : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 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 2020-04-14
Company: Model Finance Company
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On or about XX/XX/2020 the city of XXXX came in to XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) and forced us to close due to corona virus threat. On or about XX/XX/2020 I was contacted by a representative of Model Finance Company regarding my due payment. Arrangements were made as follows : XXXX payment deferred at a cost of {$64.00} for interest fees of that month payable by XX/XX/2020, XXXX bill deferred for free. 

Today XX/XX/2020 at about XXXX pst I had a 1 minute conversation with a representative of Model Finance Company . I was asked to pay what I owe. I was asked why I wasnt receiving unemployment insurance benefits ( because the government promised to pay out of work self-employers ) the representative stated. I was asked if I had really applied. I was told he didnt like my attitude and then he told me, I was going to offer you some payment arrangements but now XXXX XXXX  and I yelled XXXX XXXX  back as he was hanging up in my face. I waited 2 minutes before calling back and asking to speak with a supervisor so I could file a formal complaint and request information on filing for harassment. I spoke with another man whom also refused to identify himself as he felt offended by my indignant response to his questions I believed to be unrelated as I was already exhausted from everything going on with the pandemic and being forcefully out of work. The gentleman then resolved to reposes my motorcycle that Ive never missed a payment on prior to this pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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