BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I deposited {$250.00} on to my Chime account via XXXX. Chime in return locked the account and then suspended it. I never gained access to the funds. They have asked for verification of intended recipient. I have sent over bank statements, Drivers license, screenshots of the XXXX XXXX account transfer, pictures of the debit card, pictures of proof of address. All I get in return is an automated response. I am currently out of town in Georgia with a child and I do not have access to my funds. I am borrowing money everyday and its quite pathetic that I have to beg for my money. I have no resolution. XXXX XXXX has provided all of the details of the transfer and confirms that the transfer was successful and provided documentation for me to provide to Chime which I did, however Chime has failed to respond. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: SC
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 filed a complaint with Equifax. It was ignored. 
I filed a complaint with CFPB and Equifax claimed that my student loans are now reflected as XXXX balance... They lied. I have their company response on file and I'll attach it. 
My balance hasn't changed or my status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There have been numerous issues with communicating with PenFed Credit Union, using its website and most recently, the inability of PenFed to update my signature card online, via fax and even by sending a written letter ( which was rejected by PenFed - no explanation was provided ). 

They will not accept email. Their upload site doesn't work. Their fax machines don't receive faxes sent to them. My last option is to file this complaint to get PenFed to take action ( otherwise, they don't ) I have attached my signature card to this complaint. 

Resolution to this issue only requires that PenFed Credit Union accept my signature card and implement reliable methods of communicating with and receiving updates from its customers. This is not my first complaint about this Credit Union.

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 2023-05-25
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: ALLY FINANCIAL INC.
State: FL
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:
I, XXXX XXXX, applicant, are aware of Ally Financial deceptive and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. 
It is clearly and conspicuously Ally Financial have performed deceptive business practices.

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 2023-10-20
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Today ( XX/XX/XXXX  ) I received notification through the US Mail that my mortgage loan with XXXX XXXX XXXX was being transferred to Mr. Cooper. The name alone inspires fear. I understand that Mr. Cooper had 15 days before XX/XX/XXXX to make contact with me before the date of the next payment due date which is XX/XX/XXXX. To my knowledge, this company has failed in its due diligence as of XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX XXXX account to JPMorgan Chase Bank at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: MD
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 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was 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 2017-09-16
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$600.00} Loan online. I did not expect to have make payments of {$210.00} with {$30.00} going to the principal and the remaining the money going to the interest in the amount of {$180.00} a month. In addition to this loan is expected to be paid back by XX/XX/XXXX. 
The amount I will have paid back will be {$2400.00} for a loan of {$600.00}. I have not made a payment yet but I am expected to make a payment on XX/XX/XXXX. in the amount of {$120.00} {$90.00} going to interest and XXXX going the prinicipal. I know this is illegal to charge such a large interest on a small loan. I intend to contact my bank to stop the withdrawal of money to this company. I would like this high interest to be eliminated to pay this loan back in the amount of {$600.00} not {$2400.00} I have been deceived by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank fails to honor its policies regarding disputed transactions. In later XXXX, I bought airline tickets with my Synchrony Mastercard ( around $ XXXX XXXX for a international trip on XX/XX/XXXX. In mid-XXXX the air carrier notified me that the flight was cancelled and failed to issue a refund in a timely manner. Thus, I was forced to file a dispute with Synchrony. Upon filing, I was informed of the policies which stated that Synchrony would investigate the dispute in up to 60 days. Throughout this period, I called numerous accounting managers to get updates, and documented these exchanges. Having been through this situation before with another credit card issuer, I asked for procedures in the event that the merchant does not respond to Synchrony within 60 days. I was told that if that is the case, then Synchrony would issue a temporary credit and allow the merchant another 30 days to respond. If the merchant failed to do so, the case would be considered closed. I filed on XX/XX/XXXX. As the XX/XX/XXXX deadline got near, I was told to rest assure that the case would be resolved in the 60 days. Well XX/XX/XXXX came and went and I still have not received an update. Moreover, the communication with the Synchrony dispute team has been minimal, at best. With other credit card issuers, such as XXXX and XXXX, their dispute team followed up with me periodically to provide updates. Despite providing numerous documents, Synchrony has neglected to reach out to me. Since their dispute involves a air carrier cancelling the flight and failing to issue the refund, the resolution is clear. As per a pair of Department of Transportation ( DOT ) memos, air carriers are mandated to provide refunds to customer. Since the services were not rendered, it is up to Synchrony to provide me with a refund in a timely manner. I have provided Synchrony 's dispute team with a plethora of evidence, documents and letters outlining the reasoning for my dispute. Unfortunately, Synchrony is not living up to its own dispute procedures. I expect Synchrony to respond with a revision of their dispute terms. The reason for this is every time I catch one of their account manager in a lie, they pause and then note that the previous account manager who provided me with a specific piece of information was in the wrong and they are in the right.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: GA
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 XXXX accounts XXXX, XXXX and 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 an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-17
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 is missing that should be on the report

Complaint:
XXXX XXXX # XXXX date opened are different from XXXX then experian XXXX date opened is XX/XX/XXXX Experian date opened is XX/XX/XXXX high credit amount is different from XXXX then experian XXXX high credit amount is {$2400.00} experian high credit amount is {$0.00} last reported date are different from XXXX then experian XXXX last reported date is XX/XX/XXXX experian last reported date is XX/XX/XXXX date of last active is different from XXXX  then experian XXXX date of last active is XX/XX/XXXX experian date of last active is 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 2022-06-17
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX Acct # 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 2019-09-17
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AD ASTRA RECOVERY representing XXXX  XXXX  has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NJ
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

4. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

5. Identity Theft CAP ONE AUTO Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with US Bank XXXX XXXX XXXX Branch ) on XX/XX/2023 and deposited {$25.00} via debit card as required to open a checking account. On the following Friday ( XX/XX/2023 ), I deposited a physical check via bank teller at the US XXXX XXXX Branch. The check amounted to {$2300.00} from the XXXXXXXX XXXX XXXXXXXX XXXX ( My employer ). I was told by the teller that the check would be held till Tuesday ( XX/XX/2023 ) but the {$220.00} of that would be available now. I withdrew {$200.00} and continued about my day. Fast forward to today ( XX/XX/2023 ) I can see through online banking that my balance is available and I go to the bank to withdraw {$600.00}. The bank teller then proceeds to tell me that my account is frozen and pending for cancellation via the risk department. He then suggests I call customer service to speak to the risk department. I call customer service and they tell me that the risk department does not speak to customers and try speaking with the branch manager. I then call the branch and the manager tells me that she can see the issue with my account and my account did clear but she doesn't see why they would close the account. In addition, she said there is nothing she can do but look at the check and review if everything is accurate. Other than that she is unable to do anything. I'm at a lost of what to do. I unfortunately have no other income and am not sure when I will be able to retrieve the funds. No one at US bank seems to be able to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: AL
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:
THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX Account # 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 2023-07-18
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: Account information incorrect

Complaint:
Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA

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 2018-05-14
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was beating by a patient while working in a XXXX XXXX XXXX.my employer to me ER and paid the bills which happen in XX/XX/XXXX.Just XX/XX/XXXX I found a credit report with a medical bill on it and i called the agency and they told me that i own them of which my company told me they paid everything.My CEO ask me to let them known that they are responsible so they should send it to them.They just hang the phone on me.Anytime i called they said i should paid or it will on my credit.Of which i not responsible for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief