BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Kids send me money and wanted me to have a Chime Card account ... ... Today I went into a store and was declined ... .There is {$610.00} cash dollars in there as I have not been out because our weather was rainy cold and bad. Chime indicates I have done something illegal and they had to close my account ... ... .I have no idea what they are talking about ... .I want and need my money I am a XXXX XXXX XXXX Retiree with two Bank accounts 1 ) XXXX and 1 ) XXXX over 30 years old ... ... .Never had a problem. I do NOT HAVE A CRIMINAL RECORD. Please contact them and untangle this. I tried and only got a recording and a crazy email telling me to wait 30 days for my money which is horrible. I filed a complaint with the XXXX Chime wont even communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
VENMO REQUEST NUMBER : # XXXX I allege that Venmo intentionally constructs their website to *not* close accounts in order to frustrate people so much, they will just keep their accounts open. 

As a result of a news story regarding President Biden 's Venmo account, I decided to close mine [ XXXX XXXX XXXX  ]. However, Venmo would not allow me to do so. 

I used two browsers XXXX XXXX and XXXX  ) and I could not close the account using either one. 

I would get to the stage where I was supposed to review the Venmo Statement, but the website would not allow me to do so. It just kept saying " Loading '' and did that for about a 1/2 hour on each browser. 

As stated, I believe that Venmo intentionally frustrates people to prevent them from closing their account. I was forced to take the time to contact Venmo, wait for them to contact me days later, then go back-and-forth discussing the closing, then finally got it closed. Really?! 

With today 's technology they can't even just simply close an account?! 

If they can't make this work, why should anyone trust them with money?! 

They need to do what they say will do : close the account using their website. 


FROM VENMO : XXXX https : XXXX? XXXX -- XXXX & XXXX XXXX Close Your Venmo Account : In order to close ( cancel ) your Venmo account, please follow this link from a desktop computer browser and click Close my Venmo account '' at the bottom of the page. At this time, personal Venmo accounts can only be closed from a computer, not a mobile device or in the app. 

By canceling your personal account, your business profile will be permanently deleted ( if you have one ), and Venmo can not reactivate it. You also wont be able to create a second business profile associated with your personal account. Please note, you have the ability to cancel your business profile independently of your personal account. If you wish to cancel only your business profile, youll need to contact us. 

Youll need to transfer any funds in your Venmo account to your bank account before deleting your account, or return the funds to the sender. Any funds remaining in your Venmo account at the time you close your account will not be available to you without contacting us again. 

Please note, closing your account will not automatically transfer funds to your bank or return them to the original senders. If you have any incomplete transactions when you attempt to close, you will be prompted to address those transactions before closing your account. Once your account is closed, youll still receive one final transaction history email to the email address on file with your Venmo account, in compliance with federal regulations. 

Keep in mind that youll need to be logged in to close your account. If you need to reset your password, you can use this link to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S. Dept of Education 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 explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 explanation
Consumer complaint received 2023-02-09
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to Mr. Cooper. After it was transferred I started getting calls that my payment was past due, however, Mr. Cooper never sent me any information on how to pay at the time and I could not access the online portal. After 6 days I finally had access to pay the payment but not after continuously receiving calls my account was past due. Not good customer service. 2 days after making a payment I logged in and noticed my minimum payment had increased by XXXX. I was not notified at all. The only reason I saw was because I logged in. Very poor practice they would raise a payment amount without information a customer as to why. I sent a chat and they said it could be potentially because they have a different minimum for escrow accounts. I understand different companies have different policies but that information was not provided to me as a new customer. The person on the chat ( XXXX ) just kept saying they didn't have enough information. Very poor customer service that they can raise the payment amount but don't have enough information to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
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 corrected : 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 2022-12-20
Company: Mr. Cooper Group Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had my Mortgage with XXXX XXXX for over 74 months on auto pay. never a 30 day late payment. I watch my credit like a hawk. XXXX bought mortgage in XXXX I believe and I received emails that went straight to spam folder ( I found this out after calling in to find out what was going on ) when I called to figure out what was going on I was advised of the buy out and I requested a XXXX XXXX XXXX arrangement, this was in XXXX. I filled out all paperwork and sent it back and there was still something still wrong so it could not get set up, I continued trying to get it worked out. I got a call from them in XXXX asking about payment. I was absolutely surprised because they said i was 30 days late. I paid it on the phone right away and tried to figure out how I was late. In XXXX it hit my credit. drop my score XXXX overnight with zero explanation. It took me 4 phone calls to finally get someone to tell me it was XXXX, not XXXX like the other 3 told me. Anyways after much confusion and long phone calls I figured it out and it was a miscommunication on XXXX 's part and on my part for not digging into the junk emails I suppose. I have worked very hard on my credit. I spoke and emailed Mr. Cooper about maybe showing me some grace with this situation ... Got a FLAT HARD NO over the phone As they see it I had only been a debtor with them for a few months and now I am late and zero response to the 3 emails I have sent to XXXX. 
The transfer dates and onboarding grace period were confusing and I felt misled by deceptive and uniformed customer service agents when I called in from the anxiety of having no clear to make the call to resolve my account nor MY anxiety of a negative impact to MY account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # 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 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 purpose

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 2022-03-01
Company: Experian Information Solutions Inc.
State: MS
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 credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: MN
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:
The following debt collection companies thats currently listed on my XXXX XXXX, XXXX and Experian credit report has been using abusive, unfair and deceptive practices and tactics to collect a debt on accounts thats not my account or debts and is the result of identity : XXXX XXXX XXXX, {$140.00}, XXXX XXXX {$500.00}, XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX, {$700.00} and XXXX XXXX XXXX, {$3800.00}. The above debt collection companies is in violation of the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: In progress
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We went for a mortgage to one company and they had my Equifax report. 
When we decided to go to another company the report no longer exists. 
I have been told so many different reasons this has happened, one of which was my credit cards must have reported to only 2 companies and not theirs. Another was that there is nothing that matches my name on the report just my social. I could list more excuses they have if need be. 

I sent a fax as requested, they said it takes 10 days, it's past 10 days, when I call there is no one that I can even escalate the call to. They won't let me speak to a supervisor. 

I am going for a Mortgage, already put money down on a home. I have 2 reports but Equifax is missing. This is not acceptable especially since the previous lender got the Equifax score and with that my interest rate was less!!! 

Every time I call I get a different story, please help us because this is so bad that they lost my report. I also called all my cards and they have been reporting to Equifax for over 3 years. They made a mistake. They need to own it and fix it so I don't have to get a higher interest rate through no fault of my own. And they need to fix it right and put it back to the way it was prior to it magically disappearing on their end. Thank you please contact me further if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My complaint is against Wells Fargo sense XXXX of XXXX and until now when they supposedly was going to close my account, for a supposed fraudulent check that was they never bothered to check and now have sent me a letter of apology and {$14.00}, which they felt was all they over charged my account. 

I was very upset with the fact that I opened my account in XXXX to do future merchant, business banking with Wells Fargo Bank and that I am a XXXX adult whom was attempting to start my own online business and attend online school to receive my degree in XXXX. 

That was when Wells Fargo Bank began there process of taking funds from my account, when in return they were not suppose to charge a fee for Social Security direct deposits ( XXXX ) and allowing charges to my account that were unauthorized. 
They started denying me funds and with holding my deposits until I telephoned them to allow my deposits through. 
They then ( after my move back to XXXX from XXXX )  decided to inform me that I tried depositing the same check twice, when I did not do so ( he lady bolding lied to me over the phone insisting this and was extremely rude ). 
They then withheld a {$420.00} bank fee refund from XXXX and a {$600.00} stimulus check telling me they were closing my account on the following Thursday which was over 2 months ago, in which they did not. 
They have caused me to lose employment of {$400.00} a week do to the fact I work XXXX online and that does not show responsible employee skills. 
They have caused 2 credit card companies to not only close but created animosity towards my partner and myself, from there employees, XXXX XXXX XXXX and XXXX XXXXXXXX ), which Wells Fargo refused to pay from my Bill pay, or would would just return as NSF, when funds were in the account. 
I owe XXXX  over {$1800.00} for the same exact reason ( Wells Fargo refusal to pay my bill pays ). 
They are not only unreliable, they purposely XXXX ( excuse my language ) there consumers off and cause financial hardshipXXXX stress  and do nothing for there community. 
And to make matters worse this was all during the time of XXXX when then new they could fraudulently hurt consumers in there community and have done nothing there webpage says. They sure as XXXX do not give hardship loans. let alone would they listen if anyone attempted to apply for one.

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 2023-01-13
Company: Early Warning Services, LLC
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: Reporting company used your report improperly

Complaint:
Never gave this company any of my information or consent to have/use my information. Let alone furnish. 15 usc 1681b. Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21 a fraudulent inquiry by XXXX XXXX was made 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