BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Chime Financial Inc
State: VA
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:
On XX/XX/XXXX my debit and credit cards were used to complete unauthorized transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this store ( nor had I ever heard of it ) before XX/XX/XXXX, when I showed up to talk to the merchant about charges. During that time the owner of the establishment told me that two women were in the store trying several cards the day prior until mine unfortunately was approved. They have stolen XXXX from me in total. I have filed a police report with the XXXX Police Department ( report # XXXX ). On XX/XX/XXXX I filed a dispute with CHIME and spoke with a representative named XXXX, who stated he was a supervisor. The claim numbers for these disputes are XXXX and XXXX. He informed me the investigation could take up to 90 days which is not acceptable when other banks offer their members a provisional credit in these cases. On XX/XX/XXXX less than 24 hours after the dispute was filed I received a generic response stating that the investigation is complete. I attempted to contact CHIME via telephone and spoke with a very rude representative named XXXX XXXX XXXX XXXX XXXX XXXX ) who disconnected the call, saying that it was for quality purposes. She refused to help to escalate the call stating that she can only place notes on the account. Every answer given was generic and followed by " this is all that I can see on your account ''. I followed the call with 3 emails to chime requesting that any information in the investigation that helped to reach this adverse outcome be immediately sent to me. They are saying that this will take 10 business days. I asked to file a rebuttal or appeal of the decision and was told my only recourse is to email XXXX. I did take these steps but i am now seeking assistance from a higher authority as this bank ( if you can call it that ) is not following bank regulations. On their website they advertise zero liability for unauthorized charges, but yet they have done nothing to return my money. As a young person of XXXX XXXX this money is very important to me and too much to lose. I am left with no debit/credit cards to access my money and I am out of XXXX. 
The job of the bank is to protect its consumers against fraudulent charges. CHIME has failed to do that. I would like my funds, in the amounts of XXXX + XXXX to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CCS Financial Services, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the company about the information being incorrect on XX/XX/2023. The representive informed me that the informationn had already been reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: IA
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:
To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reference Case # XXXX We were never aware of alleged {$500.00} promotion bonus when we opened the account in XXXX of 2022. The only promotion we had was waiver of monthly account fees due to the large amount of business we gave US Bank. I do see the adjusted interest in the statement. Which is bazaar. Why not name things the way they are : Promotion bonus, for example. But that's not the issue here. THE ISSUE IS SOMETHING THAT COULD BE EXPLAINED AFTER I FILE A COMPLAINT, WHY CAN'T THAT SAME THING BE EXPLAINED ON THE PHONE? WHY ISN'T THIS INFORMATION EASILY AVAILABLE FOR BANKERS ASSISTING CUSTOMERS ON THE PHONE? WHY WOULD THEY PUT ME ON HOLD FOR OURS, THEN DROP THE CALL, THEN TELL ME HOW BAZAAR THIS IS BECAUSE THEY CAN NOT FIGURE OUT WHERE IS ALLEGED INTEREST CAME FROM. WHY? WHY NOT NAMED THINGS THE WAY THEY ARE, SUCH AS A " BONUS FOR OPENING ACCOUNT '' and confuse both customer service reps and consumers??? 

US BANK is spiring out of control, it's the worst bank in the whole nation, their system is set up to cover up illegal practices, as if they are hiding something from their own representatives. You have to waste time to file a complaint every time there is an issue because US Bank representatives are clueless, because their system is intentionally blocking them from seeing the facts in order to help consumers. This is an illegal practice, at best. Maybe, if they named things the way they are, we wouldn't have issues, or simply state the facts in their internal system for represntatives to see and assist.

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 2023-08-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I HAD AN ACCOUNT WITH XXXX THAT WAS CLOSED AND BROUGHT TO COLLECTIONS.. I'M HOMELESS AND UNEMPLOYED, AND I'M ON A FIXED INCOME..I CONTACTED THE COLLECTION AGENCY AND TOLD THEM MY SITUATION..WE CAME TO A SETTLEMENT AGREEMENT OF $ XXXX.THE BILL OWED TO XXXX WAS {$260.00}. THE COLLECTION AGENCY AGREED WITH SETTLEMENT, AND TOLD ME ACCOUNT WOULD BE REMOVED FROM MY CREDIT IN NEGATIVE STATUS..UPON PAYING THE AGREED SETTLEMENT, IT IS STILL SHOWING ON ALL 3 CREDIT BUREAUS AS A CLOSED ACCOUNT AND SHOWING THAT I SETTLED ACCOUNT FOR LESS THAN WHAT WAS OWED ... THAT REPORTING HAS BEEN AFFECTING MY LIFE NEGATIVELY..I CAN'T GET HOUSING RIGHT NOW BECAUSE OF THIS BAD REPORT BY EXPERIAN..MY CREDIT SCORE WAS OVER XXXX XXXX AND XXXX FLAGGED MY CREDIT FOR COLLECTION..SINCE THAT EXPERIAN REDUCED MY CREDIT XXXX POINTS FOR THAT ACCOUNT WITH XXXX, EVEN AFTER AN AGREED SETTLEMENT WAS PAID..THEY REDUCED MY CREDIT TO A POOR RATING, FROM A GOOD RATING IN LESS THAN ONE MONTH..I ASKED THEM TO REMOVE SUCH NEGATIVE REPORT, AND THEY REFUSE TO.. EXPERIAN HAS TAGGED THAT ACCOUNT TO BE REMOVED IN XXXX.THE COLLECTION AGENCY AGREED TO SETTLE OUT WITH ME AND THAT THE ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORT ... NOW EXPERIAN HAS DAMAGED MY NAME AND CREDIT WORTHINESS..I HAVE NO OTHER OPEN ACCOUNTS ..I BASICALLY HAVE NO CREDIT, BUT THE ACCOUNT I HAD WITH XXXX THEY ARE REFUSING TO REMOVE FROM MY CREDIT REPORT.. I'M HOMELESS IN CALIFORNIA, I'M TRYING TO GET HOUSING.. EVERY TIME A MANAGEMENT COMPANY CHECKS MY CREDIT THROUGH EXPERIAN, THEY GET A POOR CREDIT RATING, BECAUSE OF THE REPORTING OF XXXX THAT I SETTLED OUT WITH IS SHOWING ME IN A NEGATIVE WAY ... I DON'T THINK A CREDIT AGENCY SHOULD BE USING THESE MALICIOUS TACTICS THAT IS AFFECTING MY LIFE NEGATIVELY WHERE I CAN'T GET HOUSING..ITS WRONG AND DISCRIMINATORY..I HAD GOOD CREDIT..THEY ALSO ARE SHOWING THE LATE PAYMENTS FOR THIS ACCOUNT ON MY CREDIT REPORT, AND I BELIEVE THAT IS ILLEGAL... XXXX AND XXXX HAS MY CREDIT SCORE ABOVE XXXX, EVEN WITH THE XXXX THERE, AND EXPERIAN HAS MY SCORE BELOW XXXX, SHOWING ME AS HAVING BAD CREDIT AND CAUSING ME TO NOT BE ABLE TO GET HOUSING HERE IN XXXX XXXX CALIFORNIA..WHY IS THIS CREDIT AGENCY HOLDING MY LIFE XXXX WITH A XXXX DIGIT REPORTING NUMBER... THEY SHOULD NOT BE REPORTING A CLOSED ACCOUNT, THAT WAS PAID ON..

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 2023-03-23
Company: FIRST ADVANTAGE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for employment at XXXX XXXX in XXXX, Nj, I was told a background check was to be conducted after I was offered employment. The company by the name of " First Advantage '' showed on their report that they did a search between the dates of XXXX, In their report came up criminal charges from XX/XX/2015 and another one from XX/XX/2015. If the background check only checked for the dates between XXXX how are things from XXXX ( which is eight years old ) showing up when legally the maximum amount of time for jobs paying under {$75000.00} a year is 7 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: Their investigation did not fix an error on your report

Complaint:
To whom it XXXX concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I have disputed this inquiry, several times as I have not applied for services with this company. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX XX/XX/2022 I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

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 2022-10-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT

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 2023-03-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: OR
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:
Conserve Employees show last collection made on account was in XXXX yet they falsely reported a collection attempt in XXXX of XXXX. They don't even have record of the collection attempt in their records and still falsely reported an attempt to collect an already paid off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My FICO scored dropped from XXXX to XXXX ( TransUnion ) and from XXXX to XXXX ( XXXX  ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.

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 2023-03-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In the month of XX/XX/2023 we made an appointment to meet with a bank specialist to assist with the errors made on the accounts with the atm cards that were sent were to wrong card numbers and they did not coincide with the mobile app for US bank another attempt was also unsuccessful to correct these issues and it has been overlooked for too long.

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 2023-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX XXXX and have been banking with Wells Fargo for decades. I wanted to refinance my home and decided to give them my business. My credit score is near 800 and my income is approx 400K annually. They pre-approved me and we began the process in XXXX of XXXX. After charging me for an appraisal and causing me to incur other expenses, the notified me in XX/XX/XXXX that i did not have the income to justify the loan, which is a flaw in their system. 
I have since refinanced with XXXX with ZERO issues as they have confirmed my income as what is stated on my tax returns. 

I have asked Wells Fargo to refund my {$580.00} for the appraisal and {$250.00} for the subordination fee and they have refused my request. 

My experience with them has been terrible. It blows my mind that they are willing to treat a customer such as myself this way - I have been there decades and have large deposits in my accounts. If they are deciding to treat small business owners this way, then perhaps small business owners should consider different banks.

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 2017-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX  companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX  to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: MoneyLion Inc.
State: NC
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:
MoneyLion is falsely reporting a loan with a balance as recently as XX/XX/2023. However, the account is paid in full and even reflects so in the moneylion account. They do not respond to contact

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 2022-10-14
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXX/XX/2022.

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 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since I have submitted my First complaint about this issue, Bank of America sent me an email to address my issue they did not include a call back number only a deadline to speak with them for XX/XX/2022. I had to research to find the number to return the call and I have called XXXX  times and left a VM for the representative XXXX has not called me back. I keep getting first ring VM. This complaint here is to verify I called and emailed B of A per there request in response to my complaint XXXX. 
XXXX  XXXX  XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to me XXXX XXXX, Thank you for contacting XXXX  XXXX  of Bank of America . As your XXXX  XXXX  I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. My days and hours of operation are Monday through Friday, XXXX a.m. to XXXX p.m. XXXX. 
Please note that if we are unable to reach you to discuss the resolution to your concerns, we will be responding in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America C- 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 monetary relief