BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Everything I had saved in my chime account was taken from me ranging from dates leading all the way up to XXXX of XXXX. This account was always used as a savings account and I never ordered a card for it. I disputed the most recent transactions adding up to {$2500.00} last month and it was approved with no problem. The other large amount of money has been a lot trickier as I was not aware that I could dispute that many transactions in one until a representative let me know. The total amount was a little over XXXX XXXX dollars. I first disputed these transactions around XX/XX/XXXX. The dispute was denied in under 2 hours. I just received the documents that was used to come to a conclusion today even though I requested them 2-3 weeks ago which puts them over the deadline they gave me. I opened another one the following day and that one was again denied within the same day. I have provided all the necessary information to ensure that the company understands that none of these transactions were made by me. I provided my XXXX XXXX history showing that I never had a chime debit card connected to it nor have I EVER received transactions from a chime debit card for any of the given amounts. I showed them emails I received of my passwords and pins being changed despite never having a debit card. I provided proof of my chime account being logged into from a different state. One that I have never been to or even know anybody that resides in. I have spoken to XXXX support and there is nothing that they can do for me since I do not know the person that made these visa transactions. The information chime provided to me made this even more frustrating, as It was nothing but pictures of the transactions I disputed with no further detail or explanations on why i was denied. I have called every day since reopening the case and I receive the same answer every single time. It is the same automated script I have gotten since all of this has started. The very few times I have been able to connect to a supervisor and share with them the information that I have, they understand my frustration and have even told me that if it were up to them, I would have already gotten my money back by now. I dont know if that makes me feel better or worse because it tells me that the investigation team is either neglectful or incompetent and regardless of what it is, everybody needs to know that chime is unreliable and nobody should bank with them whatsoever. I have been nothing but patient and respectful with them only to receive nothing in return when I have shown more than enough to prove my case. Hopefully this complaint speeds up the process at least a little bit. I will he providing the same information I provided chime in this complaint as well. Thank you so much for your time. The chime dispute Id number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed three of my cards-JC Penney, HSN and QVC because I accidently made an overpayment on my HSN card-bill was {$1900.00}, but I accidently keyed in the amount of {$19000.00} when I paid my bill. I received letters saying my accounts were being closed as a result of my credit report on XX/XX/21. I got a copy of my report on XX/XX/21 which shows a score of XXXX and nothing negative I can see on the report. Their website says they typically send offers of credit to individuals with scores of XXXX and above When I called, they said it was because of the overpayment-their system automatically cancels cards in the case of an overpayment because they suspect it may be a money laundering situation. This is a totally unfair credit practice. They should look at each account and it's history before arbitrarily closing accounts and the letters sent are not the real reason the accounts were closed, it was simply because of an accidental overpayment. No one at Synchrony could tell me anything about my credit record causing closure, they even all said they can't even access my credit info so their letters to me regarding the closing having to do with my credit report are blatant lies. Their sending this type of info to the credit bureau can damage my credit score and cost me money in the future.

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: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2012, Ocwen, as loan servicer for XXXX Bank, committed fraud on the court and on XXXX XXXX and XXXX XXXX, when they filed a fraudulent foreclosure action against the XXXX. 

Ocwen knew, or should have known, that they had, in response to a CFPB Complaint filed by XXXX XXXX, that XXXX Bank, through a letter sent in response to XXXX XXXX CFPB Complaint, had admitted that neither XXXX Bank nor Ocwen had ever owned the XXXX XXXX Mortgage and Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 XX/XX/XXXX, I used Bank of America XXXX XXXX credit card to purchase hotel stays on lastminute.com. The total amount was EUR XXXX. 

However, the posted transaction on my credit card with an amount of USD XXXX is an erroneous charge to my credit card. Here is why : XXXX  XX/XX/XXXX, XXXX XXXX rate for XXXX XXXX is around XXXX, please verify it by looking up historical public currency exchange rate. That means, the amount of this transaction is supposed to be USD XXXX instead of USD XXXX ; I was overcharged USD XXXX. 

I initiated the dispute with Bank of America XXXX XXXX Bank of America didn't investigate but closed the issue quietly. 

Additional reference for XXXX exchange rate : https : 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposit my employee check and the Wells Fargo bank located in XXXX and XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XXXX ), and the bank put a hold on my check due to a recent returned check but I have not deposit any check that has been returned. As per the bank, the check will be available on XX/XX/XXXX - 9 days. I am the only provider for my house. By the bank holding my money, it has brought me hardship. My card is in line to be repossessed since it was due, I have to pay my car insurance, electricity and water ; my child and I have not have a good meal for 9 days - we have been surviving on spaghetti and I had to asked my aunt for water to drink. One of my bill kicked in on XX/XX/XXXX and they just charged me an overdraft feed for insufficient funds when the money is there, I can see that hey are taking my money. This bank charges people overdraft on top of overdraft which and it is wrong.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
During the week of XX/XX/XXXX, I was contacted by " XXXX '' from " XXXX XXXX XXXX XXXX '' ( supposedly located in XXXX, GA ) about a proofreading and copyediting job that I applied for on a freelancing platform called XXXX. She said that I would be a good candidate for the position, and her associate, " XXXX XXXX, '' will get in touch with me over XXXX should I be selected for the role. After talking to XXXX, she informed me that I had been selected for the role. She sent me an offer letter for me to sign and return, and startup funds totaling {$4600.00} to purchase work equipment ( i.e., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and installation & handling fee ). On Thursday, XX/XX/XXXX, XXXX instructed me to contact the company 's approved vendor representative, " XXXX XXXX, '' via text message to transfer the funds through XXXX to purchase the necessary work equipment. XXXX instructed me to transfer the funds in {$500.00} increments. After I transferred a total of {$1500.00}, my bank ( i.e., Bank of America ) alerted me that this was a scam and that I should stop all communications with these individuals. In total, I lost {$1500.00} to this job scam. 

I filed a claim with my bank immediately to see if they would credit the amount that I transferred to XXXX. However, after waiting for a period of 12 days, Bank of America informed me that they were unable to approve my claim because their records indicated that the transfers were completed according to my instructions, so, therefore, no errors occurred on their end. I'm disappointed in their response because I believed my situation met the parameters set forth under Regulation E ; however, there was no mention of that anywhere in their letter. They are currently in touch with the bank that received my transfers ( i.e., XXXX XXXX ) in an attempt to recover the funds. This may take up to 45 days ( as of XX/XX/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 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 numbers XXXX, XXXX, XXXX, XXXX, XXXX, 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.

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 2021-08-18
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
My XXXX XXXX  lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from XXXX XXXX, this quote was supplied by XXXX XXXX and was paid off by the dealer. A few months later I received a call from XXXX XXXX that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and XXXX XXXX  provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to XXXX XXXX  or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.

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 2022-12-07
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe hasbeen taken care of due to the written appeals I sent but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states thatcontinued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needto update and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Us bank who is holding my heloc loan for my personal residence mortgage offered me a refinance of heloc so I took offer and accepted. The auto payment that was on file after refinance stopped they said they mailed me bill but I never received the mail. Then I was late when I called them by 1 day to pay the monthly bill but they reported to the credit bureau already. I blame the Mail not getting to my home.

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 2022-06-14
Company: DISCOVER BANK
State: OK
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 have credit card applications from XXXX, XXXXXXXX XXXX, and Discover card and not sure how many more on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: PA
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:
Experian and XXXX is reporting inaccurate information as far as late payments on my consumer file and I have asked them for the method of verification Numerous times, this is becoming exhausting as EXPERIAN and XXXX IS HARMING ME AND HOLDING ME BACK FROM GETTING A HOME FOR MY FAMILY DUE TO INACCURATE LATE PAYMENTS. Ive asked Experian multiple times to look into this and to provide me with the method of verifying the late payments and if it is warranted. In addition Ive asked Experian XXXX XXXX to remove any accounts that can not be corrected or fixed as there is no permissible purpose and there is several violations in addition to this. Experian and XXXX has not provided any consent forms for any accounts or any documentation showing they have permissible purpose. 

These are the accounts that are harming and very concerning to me as a consumer on MY consumer report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Please advise Experian and XXXX to follow the law by doing a thorough and complete investigation permitted by LAW. And correct each late payment as I was NEVER LATE ON ANY ACCOUNTS. If this can not be done I respectfully demand for such accounts to be DELETED from my consumer report. 

Thank 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 explanation
Consumer complaint received 2023-06-11
Company: ENCORE CAPITAL GROUP 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:
Date account opened on my report from XXXX cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly XXXX sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like XXXX to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. XXXX the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and XXXX still showing good standing and closed due to inactivity is beyond me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical emergency on XX/XX/2018. I have insurance and submitted my insurance card/info. The hospital visit was paid but the doctor which was a contracted doctor through the hospital was never paid. 

A year later I started receiving calls from a debt collector requesting the payment. I called the hospital and the insurance company and explained I have insurance and why this bill went to debt collection. They could not help me as # 1 it is now a year later and they will no longer submit the payment thru insurance and # 2 since it is in debt collection they will not do anything. 

Main issue is that I had insurance and it is not my fault that the doctor payment was never sent through insurance until a year later and now insurance wont take care of it. 

We have been getting the same calls every year since 2018 and no one can help us. The debt collection is attempting to make us pay {$500.00} for the doctor when insurance should be paying.

Company response to consumer: Closed with explanation