BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Chime Financial Inc
State: GA
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:
I made a purchase at XXXX  XX/XX/XXXX For a deposit and insurance on a rental. It was taken from my chime prepaid credit builder Card that day. I spoke with a rep and she said she could see the original transaction and when they charged it again and could see where it wasnt credited back to my account. I was given my deposit back on the XX/XX/XXXX but XXXX  charged my card again with the same amount for XX/XX/XXXX. It was not authorized and resulted in a negative balance o my credit builder. I consulted chime and they said it displayed a positive balance since my check transferee and it took the negative balance out of my check. They said they saw no error and refused to give me my money back. Idk if they are rearranging transactions or what but theirs is no way I could have overspent on a secured credit card. I reached out to XXXX. I havent heard anything back from them. They have tried to authorize charges on my card a lot through out the duration of my rental even though they knew it was covered through an insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: MA
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 I received my credit report information from experienwas breached Ive been trying to fix this situation out my own pocket since XX/XX/2021 {$830.00} credit repairs that have failed Im making official report Experian has failed to keep my information from getting breached and has effected my life tremendously financially.

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 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX just totally refuses to properly launch an investigate on XXXX BY XXXX improper charges on customer master card. 

This request letter is being generated due to an ongoing issue with XXXX XXXX 's vending machine charge. On or about XX/XX/2022, I traveled through XXXX XXXX XXXX to XXXX. I experienced the above-referenced XXXX XXXX vending machine problem at the XXXX XXXX XXXX XXXX The machine did not disperse the selected item. As a result, I am attempting to reverse that transaction charge on my Capital One credit card. It is important to note that no consumer should be expected to pay for an item they did not receive. This type of transaction goes against fundamental consumer rights and is intolerable. 
Also, note, I attempt to contact another XXXX rep from a second phone number XXXX displayed on the machine but at that time this number was not staffed and required that the customer leave a message. At which time, I did. 

I called a XXXX representative at the XXXX number that was printed on the XXXX vending machine. The XXXX representative said she couldn't " disperse '' my money at that time but will investigate it more. I didn't provide the XXXX Representative any other means of contact at that time. She told me to wait a couple of days and keep an eye on my bank account for any activity pertaining to the vending machine purchase. The credit on my Capital One account has not changed, and there is no sign that the problem will be remedied due to not getting the item charged to my credit card, I requested from the XXXX vending machine. I am requesting that Capital One investigate this matter and return a full refund for {$27.00} to my Capital One credit card ending XXXX. 

Affixed to and made a part of this request letter is a copy of the travel itinerary XXXX XXXX, which has a total of three pages, and an image of a phone call log for calling the XXXX vendor operator at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

I am confident that the vendor machine purchase will be reversed successfully upon a complete investigate of this matter. If you have any questions or concerns, please do not hesitate to reach out. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company has not contacted me regarding assuming the loan after my husband 's death but they have spoken to an unauthorized third party - the office at our mobile home park - and told them that they are " evicting me ''. I already complained in another complaint yesterday about the lawsuit they filed against me for occupancy. 

As a result of them speaking with the unauthorized third party I received a phone call from Texas Rental Relief about my application for funds for the back rent. Texas Rental Relief stated that the office at the mobile home park is refusing to accept funds for the back rent because the mortgage company told them they were " evicting '' me. In fact they are attempting to illegally gain occupancy by not allowing me access to loss mitigation and not assisting me with assuming the loan.

Now I am not only being denied assistance with loss mitigation with regards to my home but also being denied access to federal funding made available for people suffering from financial impact due to Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: MI
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:
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.

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 2023-01-07
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
I spoke with an agent back in XXXX and was told donate the bed frame and it would be deleted from my account i called for my letter and never got got it and its still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank is servicing my mortgage loan. I entered into a COVID-19 Forb program and I am due to start resuming my mortgage payment as of XX/XX/2021. I made a partial payment in XX/XX/2021 in the amt of {$1000.00} that M & T bank put in my suspense bucket. For my forbearance payments I wanted a Loan mod but they claim my payments would increase so I did the partial claim to have the pmts put to the end of the loan. They also told me my {$1000.00} in suspense could not be used towards my forb payments ( partial claim ) so I said okay apply the funds to my mortgage pmt which is {$1500.00}. I will pay the {$590.00}. Now they are telling me I can not use my suspense funds. I need answers on why I can not use my money towards my XXXX pmt. I have been waiting for a week for management to contact me this company is the worst mortgage company ... please help or let me know if I need legal assistance to file legal action against M & T

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 2021-07-29
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Account number : XXXX - Original Creditor : XXXX XXXX This account shows as charged off in XX/XX/XXXX and so it should not be reporting every single month as CO as there should be no activity or attempts to collect. 
A charge-off account should not include past due balance. 
This account is not on my XXXX  or XXXX  credit report. 
Please remove this from my Experian report expeditiously

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 2023-01-05
Company: EQUIFAX, 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:
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 explanation
Consumer complaint received 2022-10-07
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made over 120 qualifying payments toward PSLF but I only have two payments showing as qualifying. I had been with XXXX XXXX since XXXX, having only Direct Loans. I was on track for forgiveness. The limited waiver was applied to my account in XXXX of XXXX. The payments across my loans were now different for unexplained reasons. I consolidated the loans to obtain the correct highest counts across all of my loans. The consolidation completed in XXXX of XXXX. I was forced to choose Mohela rather than XXXX at the time of consolidation. I have since had an employment certification form processed by Mohela in XX/XX/XXXX. The payment count on the consolidation loan was updated from zero to two payments. I contacted Mohela regarding when the qualifying payment counts prior to consolidation would be included in the total. Mohela indicated that they would be included by the end of XX/XX/XXXX. In the beginning of XX/XX/XXXX, I filed a compliant with the FSA Ombudsman group.

The FSA Ombudsman group has indicated that XXXX XXXX is supposed to update the count, Mohela is supposed to update the count, and that the Department of Education is supposed to update the counts. I have contacted each of the Mohela, XXXX XXXX, and the Deptartment of Education, but no one seems to know who is supposed to update the account. I contacted the Ombudsman groups at each of Mohela and XXXX XXXX while on the phone with the FSA Ombudsman. The FSA Ombudsman group told XXXX XXXX XXXX Ombudsman that XXXX must transfer the loan information to Mohela to get the counts updated. The FSA Ombudsman later told Mohela 's Ombudsman that the waiver will not be applied until later in the fall. I told both that the waiver had already been applied to my account in XXXX of XXXX. The FSA Ombudsman then said that I had to wait longer. When asked how much longer, no answer was provided. The FSA Ombudsman indicated that they have no timeline in which to process the waiver, that it can take years, and that I have no recourse. 

I have only had Direct loans and have only had one employer - the federal government. 

XXXX is in my promissory note. I have made over 120 qualifying payments and over 118 of them are not being counted. I have already made the qualifying payments toward forgiveness, but my loan servicer refuses to acknowledge them so that I qualify for forgiveness. It has been five months since my consolidation completed, and all of those qualifying payments made before consolidation have disappeared. Nearly ten years of payments are being ignored. Each of Mohela, FSA, the Department of Education, and XXXX XXXX are blaming each other as to why these qualifying payments are being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have been sending out letters to the bureaus and have not heard back. I sent several letters over the last 5 months and have received no letters or updates on my credit file. I will attach the letters on this complaint but there have been several others.

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 2022-04-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/22 Bank of America zeroed my unemployment account by withdrawing {$810.00}. I complained, on phone for hours on multiple days. Response was it was authorized and sent to checking or savings account. BUT they will not say to what checking or savings accounts. I dont have a B of A checking or savings account! I checked the ones I do have and that {$810.00} was not transferred in. 

This occurred after about a month of weird appearances and then disappearances of funds from my B od A account. Each time I questioned them I was told to report a lost debit card. I did this 4 or 5 times, given new cards each time and money reapplied to my account. I gave up and asked the California EDD to sent checks directly to me. They have and that part is fine. The {$810.00} has not been accounted for. There is something very wrong at the Bank of America. 

If this is not resolved I feel I must contact the AG to force an accounting. 

Previously documented as complaint # 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 2021-08-03
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was a co-signer for a private student loan in XX/XX/XXXX for a relative. I co-signed on the loan in the state of IA. The first payment on the loan was due in XX/XX/XXXX. Since I am a co-signer, I was not aware that the primary owner of the loan defaulted on the loan until it went into collections. When we asked if there was a way to resolve this to remove my name as a co-signer, and it was stated that we would have to pay the full loan and there was no negotiating. We asked if they tried to contact the primary loan owner and they stated that this person was not reachable even though we provided an up-to-date address and cell phone number. 

They also called my wife, my other adult children, my sister, and my nephew to try and collect the debt. 

Just yesterday, they presented me with a certified letter with a threat to take legal action against me. The certified letter did not indicate who was sending the letter at all. I was not aware of that information until I opened the letter. I have drafted a letter to dispute this claim since the primary loan owner has claimed they are working with a debt counselor to resolve the issue and they are also working full time and have an established address in the state of Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2018 tried to unfreeze my account and site would not recognize nor find any record of my account that I froze about a month ago and want to unfreeze for a month.

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 2023-07-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
1. Payment due dates are changed every month without any previous notice to create " got-ya '' moment with intent to fradulently charge fees and interest. Example : the statement with billing period ( a ) XX/XX/23 to XX/XX/23 had a payment due date of XX/XX/23, ( b ) XX/XX/23 to XX/XX/23 had a payment due date of XX/XX/23. 

2. For billing period XX/XX/23 to XX/XX/23, we were prompted to pay " Remaining Statement Balance, '' and we paid the remaining statement balance {$1100.00} way before the due date. We had statement credits from rewards points and other past payments. 

3. For billing period XX/XX/23 to XX/XX/23, we were chared {$17.00} in interest- even after paying the full " Remaining Statement Balance '' as prompted. 

4. There was absolute no basis for the $ XXXX rather XXXX XXXX should have given us interest for having credit balance. This is fraud and deception. 

5. We contacted Citi 's Customer Service- they admitted the problem- and informed us that the " System '' is not allowing them to refund the money. When we requested to cancel our credit cards- he told me that system does not allow him to cancel the credit card.

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 2021-07-29
Company: STERLING JEWELERS, INC.
State: CA
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:
they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} fraudulant charges i asked experian, XXXX, XXXX to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act 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 instuctions.

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