BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Chime Financial Inc
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:
I was charged for XXXX payments made on XX/XX/2022 because I placed a second order after Chime notified me that my first payment was declined ( it was not ). The XXXX payments were {$2800.00} XXXX  and {$2700.00} XXXX issued to XXXX XXXX through XXXX. I then issued a chargeback and was contacted by the merchant that he would issue a refund for the extra payment and that I could cancel the chargeback. I have received the refund of {$2800.00} XXXX  from the merchant on XX/XX/2022, which was transferred to my Chime account on XX/XX/2022, but I was later notified that Chime issued a chargeback on the second payment on the merchant, which has not been shown anywhere on my account. The merchant has confirmed with a XXXX investigation that Chime has charged him for both payments, and after many rebuttals I received an email on XX/XX/2022 from Chime that they have made an error and that the merchant issued a refund to me on XX/XX/2022, which is not shown on my account. After making a phone call on XX/XX/2022, I was told that my credit would be issued by XX/XX/2022 and I should call them if I have not received the payment by then. On XX/XX/2022 I made another call to receive an update on my payment, and was notified that my dispute was declined and needed to be escalated ( which is not shown on my email update which confirms that Chime has made an error ). After emailing Chime 's support on XX/XX/2022 after the phone call, I was informed that the dispute was declined, which is contradictory to previous updates. Not only have I lost money due to the currency exchange, but Chime has been withholding the money charged back from the seller ( {$2700.00} XXXX  ) for over 2 months and is refusing to provide me additional updates via phone ( every time I have been told that they will escalate the case, which has not happened ). None of their investigations include any evidence that I have received XXXX refunds from the seller, as they decline my dispute based on receiving XXXX refund ( both payments have been taken from the seller, and only XXXX has been received by me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Today, I received a response from Equifax stating that I should send a copy of my social security card so that they can update my information. I also attached a copy of an utility bill so that they can add the correct address to my credit report. I filed an identity theft report with FTC. I ask that Equifax remove anything on my credit report that isnt supposed to be on there. If the items cant be verified and send me proof of verification then I ask that they permanently remove these items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They had closed my account due to some fraud related which was later found out it was not fraud and they said my bank account would be closing on the XXXX and then the XXXX but nothing had happen they keep saying we can talk to the risk department and that no one can do anything I have gone in the bank and she the branch manager who told me to come get money on the XXXX an nope they still keep saying its in the process its should have been done week ago

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 2023-03-17
Company: Experian Information Solutions Inc.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows : XXXX XXXX ct XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX  XXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Old information reappears or never goes away

Complaint:
On XX/XX/2023, I sent a dispute letter reporting to the three Bureaus to seek verification about my credit report. I strongly believe that my report 's information is inaccurate, hurting my credit score tremendously. After a couple of weeks, I received a letter from XXXX on XX/XX/XXXX stating that I must call to verify, even though I spoke with a representative and was told to write a letter with my ID and utility bill to dispute items. Experian sent back the results and told me they were going to investigate. And I haven't gotten any written letter back from XXXX, and it's been 30 business days since I sent this letter out to all three bureaus. I've been told by law if there is incorrect information on my credit report, it must be removed immediately. This is hurting my chances of getting my dream house and dream car.

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 2022-12-15
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
BSI Financial Services took over my existing Conventional Home Loan on XX/XX/2022 from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. From XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: WA
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:
After contacting a merchant that charged me several times without providing a service, I initiated a chargeback with Chase on XX/XX/XXXX. I won this on XX/XX/XXXX. However, the merchant simply charged my card again for the full amount of the dispute even though I had won the dispute. 

I called Chase and the answer was unsatisfactory. They opened another dispute that the merchant will have an opportunity to appeal again. There was no mechanism for automatically resolving this in the favor of the consumer. There also wa n't any mechanism for requiring a higher burden of proof from the merchant in the case of this repeat-chargeback. They also said they could not block the merchant from charging me a third time. Rather they would ask the merchant to stop charging but there is no guarantee they would comply. 

In short, there appears to be nothing stopping the merchant from repeating this behavior into perpetuity. And every time I dispute it, they will have another chance to win the dispute. One day they might win.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have been reporting incorrect information over the past 3 years. They report an increase in balance every time I make a payment. They have reported inadequate information about my payments being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: STATE FARM BANK, FSB
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
had health issues and was forced to retire from self employment. Tried to get a HECM but was turned down due to foreclosure being filed. Contacted attorney to obtain reinstatement amount and received letter giving amount as {$40000.00} to reinstate. The amount of attorney fees seemed excessive since I had obtained a modification in late 2015. I filed a qualified written request asking for a breakdown of charges. The letter I received back broke down these charges and almost half are from before the previous modification. These charges should have been paid at that time, not now. I would like to have a new reinstatement amount showing valid reinstatement charges sent to me so I can proceed with a request for either a modification or HECM. 

All supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TX
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are : advancing fcu, XXXX cards, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX. Also XXXX XXXX and trust date of first delinquency is wrong also, and XXXXXXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.

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 2022-12-15
Company: EQUIFAX, INC.
State: GA
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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CASHCALL, INC.
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/2019, I contacted XXXX, a debt management service firm to assist with helping me to consolidate and settle debt payments. XXXX XXXX  has financed me in the amount of {$23000.00} with an annual percentage rate of 24.50 % for a total of {$49000.00}. I have made attempts to log into the accounts that I have with CashCall and XXXX XXXX XXXX, only not to be able to access these accounts at all because of name changes, portals no longer existing, etc. I have not received any correspondence regarding these changes, and since XX/XX/2019, I have been making payments in the amount of {$580.00}. I can not contact these companies to try to figure out what is going on or even to try to renegotiate anything. I have no idea at this point where my money is going. 

In addition, I also enrolled my husband in XXXX the following year, and he has been making payments in the amount of $ 639 monthly. 

Without being able to contact these companies, our money is just going out to places we have no idea about, and I am fearful we will keep paying in perpetuity to organizations that no longer exist. Can you please help us to rectify this matter, and if necessary, can we find a way to no longer pay these companies, especially if they are fraudulent and are no longer around? We have no idea what happened, as we have not received any correspondence regarding changes.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off 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 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've been consistently denied every time I attempt to open various types of accounts, including brokerage, checking, and savings accounts. I'm frustrated by the rejections and eager to understand the reasons behind them. It's becoming increasingly bothersome, and I'm actively working to resolve the underlying issues causing these denials.

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 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America Is pushing thru payments that should have been declined to further put my account negative. 
I made a mortgage payment for XXXX they processed it as XXXX which put me XXXX overdrawn! Should have been declined! They are STILL putting thru payments that is further putting me in the negative. 
I asked them to stop the mortgage payment- was told to wait till it processed and then dispute the amount, when I disputed the amount I was told you have to talk to the mortgage company- " because it's already processed '' This Is a VIOLATION OF FEDERAL LAW that they have been cited for in the past! I will send this information to All Federal Agencies till I get this resolved! I can not pay my bills because I'm XXXX dollars overdrawn And Counting!

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 2022-10-17
Company: American Credit Acceptance, LLC
State: OH
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:
Slow at reporting payments, They dont make changes to credit unless ive made a dispute through transition or XXXX XXXX Reported 90 days late to bureau on payments But wont Report when payments are made or caught up henceforth dinging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation