BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with Chime I currently have 2 issues with them : XX/XX/XXXX I money was transferred from my account to another Chime member however it was not authorized as the other member scammed me out of money and goods/services. I dispute this with the bank on 4 different occasions and I have been denied each time even after presented ample evidence. 
Then XX/XX/XXXX my account was hacked and I was locked out if my account for almost 2 weeks and the individual whom hacked my account drained my entire account. I informed Chime of this and disputed each transaction again they denied me so I have resubmitted a rebuttal for each occurrence but they continue to not issue any type of credit and I am expected to just be ok that I had my identity stolen. 
They made a copy of my debit card and changed the pin. 
XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX XXXX ATM withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM fee XXXX XXXX ATM fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please help me to get my money back I am on a fixed income. I missed all my bills because of Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-03-27
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I traded in my XXXX XXXX XXXX I had financed through Credit Acceptance. The dealership I was working with handled the payoff of the car. I got notice on my credit reports on XX/XX/XXXX that the balance of the loan was reported as 98 % paid off and account still open when it should have been 100 % and account closed with a {$0.00} balance. Credit Acceptance left a balance of {$210.00} still reporting as open on my credit report. On XX/XX/XXXX I received the contract pay off letter from Credit acceptance that stated I made my final payment and my contract was PAID IN FULL and the lien was released. Today is XX/XX/XXXX and this account is still reporting as opened with a balance of {$210.00}. I have made 2 attempts to resolve this with Credit Acceptance but they were of no help they just told me to dispute it but did not inform me on how to do that. Another representative from Credit Acceptance told me that I need to wait until XXXX. ( Not sure why when the car was paid off in full XX/XX/XXXX ). This reporting incorrectly has negatively impacted my credit and has caused me to be denied financing on something else due to it appearing I have 2 auto loans open. I need this information removed and this reported correctly as soon as possible. I am in the process of trying to buy a home and this is really holding me back. I can not get Credit Acceptance to help me so I was forced to submit this complaint. Thank you for your time.

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 2023-09-22
Company: EQUIFAX, INC.
State: WI
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting 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 consumer rights are being ignored and violated. I have tried to resolve with the company but to no luck. I am attaching how I feel my rights have been violated with the dates and verifications to have this resolved. Thank you Please see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I received well over twenty calls from XXXX, often calling me three times in a single day. The number primarily used " robo-callers, '' but all my research suggests this was a debt collection agency acting on behalf of XXXX card, of which I had recently signed up for a credit card. The calling was essentially nonstop, and it was very frustrating. I sent a certified letter to XXXX explaining the problem. I received a signed confirmation that they received my letter, but I never got an actual 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 explanation
Consumer complaint received 2023-01-03
Company: Veros Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX entered into a Fraudulent Loan due to the fact that the vehicle is being fiance and per the consumer laws a down payment should not be taken at the time of the consumer credit transaction which violated consumer law Which I made a down payment. 

Second, Insurance premiums are supposed to be included into the finance charges per 15 U.S. Code 1605 ( a ) Third, per phone called XX/XX/XXXX, I was threaten with repossession per 15 U.S. Code 1692e ( 4 ) That is in violation of my consumer rights I have been harassed by your company, and threaten to have my car taken away which this consumer credit transaction was Fraudulent upon entering into on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Consumer : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX-MI XXXX Loan Servicer : Ditech Financial LLC Loan # XXXX Complaint : Fraudulent/Illegal Default Notice on Loan & trying to initiate Foreclosure I am a XXXX   father with XXXX children, Ditech is  trying to push my loan into foreclosure without any legal basis & push me out of my home! right at XXXX time! 

On XX/XX/18 I received a default notice from Ditech Financial LLC on loan # XXXX on behalf of XXXX XXXX XXXX XXXX, stating that my loan was in DEFAULT due to 3 missed payments for XXXX, XXXX & XXXX. 

I have not missed any payments & I have the USPS " Certified Return Receipts '' signed & accepted by Ditech for the 3 months. I also have the USPS Money Order Stubs in the amount of the payments to prove that Ditech received & signed for the payments. 
I have attached the copy of Ditech letter, payment stubs & Certified signed return receipts showing that Ditech received & signed for my payments for XXXX, XXXX & XX/XX/2018. 

Ditech has in the past done exactly the same type of fraudulent attempt to push my loan into foreclosure. This is pure harassment & predatory servicing practices that I have faced from Ditech in the past as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I received a notice saying Loan Care ( mortgage company ) couldnt accept my payment I made via XXXX service and check was returned. 

I did not make this payment via check it was through XXXX  payment service which I have used in the past with your company ( XXXX payment ). This payment processed and confirmed funds out of my account. 
I spoke with agent on XXXX  and he stated that on Loan Care dont have payment reflecting. 

I attached a photo of proof of payment to company. My XXXX XXXX reference number is XXXX. 

Also I made a payment in XX/XX/2023 that my account is not receiving credit for either. 

I would like my account updated as soon as possible as this is reflecting on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BARCLAYS BANK DELAWARE
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:
I was notified that there was Barclays Bank of Delaware hard inquiry on my credit report on XX/XX/2022. I did not apply for anything involving Barclays. I reached out to there Executive office 7 times in total. I got a scurity link that dis not work but they did not respond to this issue. I reached out again and finally got a phone call from executive team member almost 7 weeks ago. I went through a battery of questions. It was confirmed by this woman that the application waa in fact fraudulant. The information did not even match mine. I was than told the inquiry was being removed however the credit bureau 's as of today have not gotten this information yet and I just confirm this by contacting them again! Why hasnt this infomation which has injured my credit still not been removed? It is almost a year now. 
I want this removed or plan to sue.

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 2019-11-22
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Received a gift card ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ), and set it with several other gift cards. The cards were not registered a time of receipt and not used for several years. 

Went through online registration at XXXX XX/XX/XXXX and the card showed a balance of {$6.00}. Placed a call to number listed on card XXXX, the same day questioning the reduced balance, as the card had not been used. I was advised that a {$2.00} inactivity fee per month after 12 months inactivity was deducted by U.S. Bank. I questioned this fee as the card did not expire till XX/XX/XXXX and requested they credit the fees. I was told this was not possible. 

I have another {$50.00} ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ) which was stored with the reduced balance card with an expiration date of XX/XX/XXXX and clearly states on back no activity fee. Funds don't expire and card valid thru date on front. Their is no fee for replacing an expired card. 

I would request U.S. Bank refund the {$44.00} charged for inactivity fees. Thanks in Advance for any assistance provided.

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 2023-09-22
Company: EQUIFAX, INC.
State: FL
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:
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 2023-09-22
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
State: NY
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 15 u.s.c 1681-1684 I requthat this account be removed from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
my debit card was compromised and there were fraudulant charges made so i immediately called bank of america in which they canceled out the card and sent me a new one well they ended up not disputing those charges in which my email address was aldso compromised and i stated that to the bank of america represenative and i had to make a whole new email account in which he also took notes of that. The total amount came to {$200.00} after they denied my claim they sent me an email and a letter saying that they were some updates on my account and servicing options and that i could have my claim reopened so they sent me the letter twice so i decided to re open the claim and only for them to deny it which was XX/XX/XXXX i disputed these charges 3 months or 4 months ago they sent me letters 2 seaparate times and which i called in and the last represenative i spoke with i asked if there was documentation that i needed to show because i had documents to prove they were fraudulant charges and she told me no that wasnt necesssary and it didnt show in the notes that, they were needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SinglePoint GI
State: UT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received a notice of a new collection on my credit report under the name General Revenue Corp without any prior communication about debt, attempt to collect, options to dispute or any verification of said debt. This dropped my credit score by more than XXXX points. I have hitherto not received any form of communication from this company and want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: MO
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:
I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX   MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED AT SOME POINT NOW ITS BACK AGAIN.THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX   MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I initiated online contact with Sr. loan office XXXX XXXX of SunTrust Mortgage regarding a HELOC vs. 15 year cash out refinance. On XX/XX/XXXX at XXXX, XXXX XXXX sent 2 proposals for a 30 year refinance. At XXXX, I informed XXXX XXXX , that I would not be moving forward with his proposals. XXXX XXXX insisted on communicating with me after I advised him again at XXXX and XXXX that I would not be moving forward with the process. XXXX XXXX then sent disclosures for me to sign ignoring the fact that I told him on 3 different occasions that I would not be moving forward and requested a supervisor. On XX/XX/XXXX at XXXX, XXXX XXXX sent me an email requesting additional information o send to underwriting. Additionally, XXXX XXXX made an inquiry on my credit report after I advised that I would not be moving forward on XX/XX/XXXX. XXXX XXXX is now bordering on the line of harassment and bullying. After advising him on three separate occasions that I will not move forward, he proceeded to send disclosures, access my credit report, and request additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following public record and items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX IN XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was refinanced under HAMP XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a letter From Nationstar Mortgage that I qualify for the {$5000.00} principal reduction because I was in my 6th year with no late payments. I just need to fill out the form ( XXXX ) and return it to them. I sent the letter XX/XX/XXXX. By XX/XX/XXXX I did not hear back from Nationstar. A couple more months went by and XX/XX/XXXX I reached to Nationstar and was told it was denied because it was after the deadline of XXXX XXXX. Even though they told they received the letter almost 3 months earlier. Then I spoke to a CSR on the phone they told me I was denied because the form was filled out incorrectly. My wife & and I signed the form, but only put the last XXXX digits of our SS #. Even though we were never contacted or received any correspondence regarding missing information as they stated. the form was received so I sent an email to get a confirmation. They responded saying they received the letter and would contact me if additional information was needed called and emailed Nationstar if my form was received with no response. Finally I got a person in the research department that said it was an error by Nationstar and we would receive the principal credit.Then in next month I received a call regarding refinancing my loan. I asked specifically if I refinance the loan under HARP if it was affect us getting the principal reduction. I was told it would not affect and that Nationstar would either send us a check or deduct the new loan. Now that the loan was refinanced XX/XX/XXXX Nationstar is saying the loan does no qualify because to was paid off. At every turn Nationstar dragged their feet getting me information, answers, the opportunity to correct any errors and flat out lied about the pay incentive program to make money on a refinance I would not have done. If they were doing this to me they have done it to others. This could have been avoided with a simple phone call, email or letter stating it was denied so I could have sent an corrected for which was only missing the beginning of our SS # s.

Company response to consumer: Closed with explanation