BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This first all started around XXXX with me applying for a XXXX XXXX credit for my wife because they had a deal when signing up for a credit card so I decided to sign up. When I signed up I chose the payment option to be automatically so there wouldnt be no issues on me having to manually pay it next month because I tend to forget but I made sure I didnt forget about this. So next month comes by believing everything was ok but I received a mail from XXXX XXXX saying that I missed a payment, so I went ahead and tried to pay it off manually thinking I must have put something wrong when signing up for the credit card but that wasnt the case because this manually payment never went through either. So next month I receive a notification informing me that my FICO scored went down XXXX points because of this. So I contacted both XXXX XXXX and Experian to find out what was going on. XXXX XXXX told me that the payment was rejected from my pay account or that I didnt have sufficient funds when I know i for sure had money at that time. Experian informed me that XXXX XXXX never sent the payment so it can be made. The person I spoke with on Experian told me to file a dispute which I did and like in less then a month everything went back to normal my FICO scored went back to normal just XXXX less point but I was fine with that. I call XXXX XXXX to see if everything got resolved just to make sure this wont happen again and it was I told everything looks fine that I didnt owe nothing anymore. And I asked her if I was to run into this issue for whatever reason again next month what should I do? She implied I make another dispute. And just as I feared the next month my FICO score went down again for the same reason and I filed a dispute and now it saying that they see nothing wrong with my results now which make no sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Old debt from XXXX, that I acknowledge with Capital One. Made arrangements to pay collection attorney. After several payments on XXXX XXXX XXXX web portal to pay were made. I started receiving letters that payments were declined. This was impossible since I paid from my personal checking account that had funds to cover bills specifically. Called several times, nothing. Pretty much told it was my fault. I called XXXX XXXX XXXX  to confirm that it wasn't a problem on my end. They confirmed their was no history on the dates I made payments on XXXX portal even though I had a receipt. Meanwhile the balance is remaining large. They sent settlement letters with higher amounts. I retained a lawyer in hopes of agreeing to a reasonable amount I can afford and was basically told No. I am able to pay no more than {$600.00}, and consider paid in full. With the expectation of updating to this status with ALL 3 credit bureaus. As well as receive documentation of this arrangement. Paid in full at no more than {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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 # numbers XXXX XXXX, and XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a ppp loan into my Navy Federal account and they shut my account down saying that I was using my checking account as a business acct. when that is totally false and they have no proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I was walking back to work after leaving XXXX XXXX at like XXXX XXXX All of a sudden I get a message alert, saying my prepaid secured credit card account has a balance of - {$210.00}. How? Because I just use my card so I know I only had XXXX XXXX left and I hadnt made any {$210.00} purchase so once I got back to work I called Chime. Literally no one could show me the charge or charges that cause me to go into a - {$210.00} balance. And after hours and hours of being on hold, they blamed it on the merchant, that I use most. XXXX XXXX. Saying they had my credit card info and force charge me. Which is a lie because XXXX isnt the kind of merchant that allows you to old him money. When you make a purchase from them you have to have the money right then in there they charge you right then and there. That Sunday late XXXX. I got a deposit in my account enough to cover - {$210.00} balance. All of a sudden once the balance is brought above XXXX charges popped up on my statement from XXXX at XXXX XXXX  on XX/XX/2023. How is that possible? My balance was already- {$210.00} so that wouldve made me a little - {$420.00}. Not only that all five of the charges were processed at XXXX XXXX which is impossible. Because XXXX XXXX  doesnt keep my information I have to type my information in for every transaction. So each transaction takes a couple minutes. Its impossible to do five transactions all at the same time. So I contact XXXX  and ask them if they have any record of me making any purchases at XXXX on XX/XX/2023 and they said no they have no record of these purchases. Chime has fabricated some charges to cover up the money they wrongfully stole from my account. There is no record of these charges ever happening from the merchant or for me. And chime still wont give me my money back. I asked for them to send me all the evidence they used for their investigation and all they sent me was a copy of my bank statement from Chime showing the fraudulent charges thats Chime themselves made. Nothing from the merchant. Nothing else to prove the charges were ever made or even exists. My statement doesnt even show me as ever having a negative balance anymore. Ive sent them proof from the merchant that they never charged my account at that time and that they dont force charge payments and they still refuse to give me my money back..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}.

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 2023-01-23
Company: CITIBANK, N.A.
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:
Citibank has shared my nonpublic personal information with non-affiliated third parties ( Client Services and XXXX XXXX ). I did not give Citibank permission to give my information without my consent, nor was I given the opportunity to opt out of having my nonpublic information disclosed. Also, Citibank has reported this alleged canceled debt incorrectly to Credit Reporting Agencies. It's their responsibility to report accurate information. 

- Attached Citbank Dispute Letter -Attached supporting claims : Third-parties creditors alleging to collect a debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1.My Chekings acct with truist was closed " shut down '' because of a " RCLM FORGED ENDORSEMENT '' by the federal reserve bank .

2. Federal reserve said a check from the irs ( TAX REFUND ) for XXXX that i deposited XX/XX/21 was forged endorsement and eventually took the XXXX away. A charge off for XXXX by the bank was send to collection and proceeded by having the accnt closed and i had to pay the charge off. 

3. why was the money taken away and why was the accnt close. I am now tagged and not able to open a bank accnt at any bank institution.

4. that was my tax refund and i need my money back that I worked for.

5. and yes i have been to IRS local office and they do not see anything wrong done by me on there side and they do not understand why it was taken.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX, my discovery revealed XXXX, Trans Union, XXXX, and XXXX Utility breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of XXXX XXXX  requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX  website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX DEPT OF XXXX XXXX XXXX XXXX, 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 XXXXXX/XX/XXXX3, 2021 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-12-15
Company: JPMORGAN CHASE & CO.
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There were two fraudulent charges made on XX/XX/XXXX for {$53.00} and XX/XX/XXXX for {$35.00} by XXXX XXXX. 
I reported to Chase credit card for review on XX/XX/XXXX and I was told not to make a payment. 
Since then I have called Chase for update 6 times and nothing has been done. My online account has been blocked and receiving emails for past due payment which is hurting my almost perfect credit score ( XXXX ). 
I have been living overseas since XXXX and very costly to make international calls. They continuously tell me to wait 48 hours for review but its been 3 months of waiting. Please help me resolve this issue with Chase credit card. Thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have phoned American Express a number of times regarding my American Express Platinum card that I was approved for on XXXX XXXX XXXX. The offer that came to me was for XXXX bonus miles so I applied online ( attached ). I have never gotten the bonus miles. When I first called in after spending {$6000.00} in the first month they told me I may have to wait six months since thats the amount of time I had to spend {$6000.00}. 

Today I phoned in again and they said I didnt qualify because I had an AMEX card in the past. They said an email came to me letting me know that I didnt qualify for bonus points. The attached email is the only one I received. When I applied online, it didnt tell me I wasnt eligible, only that my application would be reviewed and I would be notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac evidently will hire anyone off the street if they can recall the alphabet. That said, I have been chasing them for a week to update my home insurance policy so that they can do an escrow analysis and correct the monthly mortgage payment. 

It doesn't matter if you call or send a message through the portal, the response you get is from some maladjusted incompetent employee who absolutely FAILS to read your message then sends you some idiotic auto template that has nothing to do with the request. 

I am sick of PennyMac in general as are most of their customer base, but, If this is not straightened out within 30 days I will get another outrageous mortgage payment bill that will be incorrect simply because they don't know how to do their job. 

The issue : my homeowners insurance increased The solution : I bound a new policy with a better rate PennyMac 's Insurance Dept are incompetent. The only thing that they need to do is update and do a new escrow analysis. 

I am sick and tired of bouncing back and forth with their incompetent reps and need this resolved. I have requested a manager to respond THREE TIMES and this is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for PSLF on the traditional grounds in late summer XXXX. The new waiver program was announced in early XXXX. On XX/XX/2021, I received an email that stated my payment count would go up by at least 33 payments ( outside of the XXXX payments I made that qualified my for loan forgiveness under the prior rules ). On XX/XX/2021, I received a letter that stated my loan balance was forgiven. I did not get any refund for the extra payments, nor are the payments visible on my Fedloan account. I filed a case on the Studentaid.gov website regarding the lack of refund. I received a reply stating that I would not be receiving a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Mountain Run Solutions, LLC
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:
Negative mark on credit report. Due to having the same name as my father. His past debt is on my credit report from a collection agency that will not respond to my request to get removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation