BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a current Chime account holder and have attempted to resolve this issue since late XX/XX/2023. After returning from out of town travel during the weekend of XX/XX/XXXX, I learned that someone had accessed my Chime account and attempted to make a purchase. Chime did not notify me of the attempt to access my account, despite having my account set up to receive text notifications for any purchases. Not until I contacted them directly was I informed that a hold had been placed on my account. This occurred on or about XX/XX/2023. On the call with Customer Service, I was informed that there would be a XXXX day hold while they investigated. I was also advised that there was no way for me to access my funds during this time. I was instructed during this conversation to verify my mailing address and that a new Chime card would be issued to me. Over the past XXXX weeks, I have contacted Chime on at least XXXX separate occasions haven spoken with both Customer Service and also requested an escalation as I STILL have not received my new card nor do I have access to the money in my account. I have been told repeatedly that the card is being sent. I have also been instructed that the card was being sent via overnight mail ( two weeks ago ). As recently as Saturday, XX/XX/XXXX, I spoke with XXXX, who indicated that she is a Supervisor. Her phone number is XXXX. This was the third time that I had spoken with her about the status of my card. After threatening to report Chime 's business practices to the appropriate regulatory agencies, XXXX indicated that the card would be sent via overnight mail. On Monday, XX/XX/XXXX, I requested the tracking number for the overnight shipping of the card. I have checked for the past XXXX days and the tracking shows no updates. Chime has repeated lied and failed to take the appropriate steps for me to be able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Complaint purchased a house, XX/XX/XXXX, on an illegal lot, no disclosure. 

On XX/XX/XXXX I entered into a purchase and sales agreement with XXXX XXXX to purchase the home I'm currently living in for XXXX. I live in Maine. Maine is a full disclosure state. Meaning if I'm buying a house thats on an illegal lot then that information needs to be disclosed to me in my purchase and sales agreement so I can back out or not. Nobody disclosed this, I just found out this information recently. I wouldnt have purchased this home if I was aware there is a material defect on/with the property, illegal lot. Its not worth anything. This is fraud and I've been scammed. Rocket Mortgage is aware of their mistakes and won't do anything to fix it. 

I have documentation to provide my statements are accurate. 

Evidence XXXX. Purchase and sales agreement. Nothing about purchasing illegal lot. Maine is a full disclosure state. I received no disclosure XXXX. Property Description from taxes accessor 's office. XXXX acres it what I received. 
XXXX. Email between Attorney and City of XXXX XXXX regarding Urban Residential Zone lot standards developed in XXXX. XXXX square feet is the standard. My house in on XXXX. I'm on an illegal lot with no disclosure. I'm been scammed and this is fraud. My documents don't match what I got.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NY
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 filed a dispute regarding the incorrect items on my credit report. It has been well over XXXX days and I havent received any investigation results. I've sent follow up letters and still no response and investigation still shows as open on their end.

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 2023-05-08
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: Information belongs to someone else

Complaint:
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently sent a letter to Experian about validation of this debt, this debt has been removed from XXXX and XXXX. I challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, account was removed from my credit report account due to fraud. XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.

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 2023-12-30
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Using Wells Fargo online Bill Pay, I scheduled a payment of {$2700.00} to be sent on XX/XX/23 to my XXXX credit card. On XX/XX/23, I received an automated email message from Wells Fargo indicating that a payment of that same amount ( {$2700.00} ) had been sent to " mobile. '' I immediately accessed my checking account and found that the payment had been sent to an account and was marked as XXXX I do not have and have never had a XXXX  account. 

I contacted Wells Fargo -- the account was closed and a fraud claim was filed with the bank. In several subsequent interactions with Wells Fargo, including a XXXX call that included a XXXX representative, it was confirmed that -- ( i ) the account number to which the payment was sent is not an existing XXXX account, ( ii ) the mailing address for the Payee listed in the account information is not associated with XXXX, and ( iii ) i have never had an account with XXXX or predecessor company XXXX. 

Despite this information, Wells Fargo has denied my claim and has stated that I initiated the payment and that the payment was sent to 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 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding XXXX XXXX : I viewed my Equifax credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from Equifax it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, 2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America pursued collection f this debt against me in XXXX County Court. The case was dismissed by the judge. It is illegal for this debt to be pursued as collection against me and therefore should be removed from my credit report.

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 2022-02-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a citibank credit card about 2 months ago with the acquisition offer of 80,000 thank you point if I make purchase of 4000 dollars in the first 3 months. I have been trying to reach the 4000 dollars in orders to get the initial sign up bonus. however, I have experienced a lot of difficulties of using the credit card. Specifically I have been declined 5 times in the past 30 days which worth more than 1500 dollars purchase when I tried to use the credit card. Every time, after I get declined, I tried to reach out to Citibank to get the fraud/ security alert removed. But because Citibank already declined by transaction, so I have to use my other credit cards to pay for it, therefore there is literally no way for me to reach to the 4000 dollars in order to get the 80,000 thank you point. I have made more than 3500 dollars, and it is getting impossible to reach to the 4000 dollars now because Citibank keeps declining my transactions, and called this is security reason. 

Everytime when I tried to call citibank, I was asked to verify my citibank checking account information. But my citibank checking account has been closed for a long time, and it doesn't even show up on my citiibank online portal., how could I be able to answer the account number question of the account that been closed for a long time? isn't this crazy? 

What I need from citibank ; 1. even though i have not reached to the XXXX000 dollars spending requirement yet, because i am getting super close to the 4000 dollars, and plus citibank keeps declining my transaction, there is no way for me to meet the requirement. I want 80,000 thank you point to be granted to me right now. 

2. i need citibank to review why they still show my checking account as that account has been closed for a long time. this account should NOT be used for account security verfication/ authentication purpose. 

3.I told rep that I could verify my cell phone, my credit card info, my SSN, home address, and all the other info on my account, but I don't have related account info with me,, the rep just can not proceed further. i personally find this is ridiculously, this is suggesting that i am being punished by having multiple products with citibank. if this is the case, maybe to make it easier, I should just stop doing business with you guys all together.

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 2023-01-27
Company: Asset Management Outsourcing, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Currently have a active complaint for debt collector known in XXXX AMO Recovery inc DBA asset management outsourcing recoveries inc with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. Asset management outsourcing recoveries inc no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
I requested credit reports and it showed a delinquent payment to XXXX when we all have Been given an extension until XX/XX/2022 to begin repayment. This is in 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.

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 2023-12-29
Company: Trident Asset Management, L.L.C.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I woke up to a XXXX notification that a new collection account was added to my credit file. I have had no notifications from any company claiming to collect on this debt which I do not recognize. The collector has a date opened of XX/XX/2020 and an original creditor of XXXX XXXX. I have nothing on my credit report from this creditor. I have also had XXXX negative items for quite some time starting well before XXXX of 2020. I was also given no advance notification of this alleged debt which is a violation of the FDCPA. This is no surprise based on the past track record of Trident Asset Management. I would like this account removed from my credit report immediately and collections to stop due to their negligence in not allowing me to dispute, or even informing me of this account before posting it to my credit report. If this is not rectified I will be contacting a debt collection attorney and filing suit for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
in accordance with the Fair Credit Reporting act this creditor ( XXXX, XXXX, and Experian ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have frozen my credit file with Experian multiple times, including XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time, Experian mailed a PIN that it said is required to unfreeze the file. I received each mail, the mail was unopened and upon receipt, I locked the PIN in a safe that only I have the combination. Each time, Experian unfroze my credit file and allowed someone other than me to apply for credit. Experian has no explanation how or why it unfroze me credit file. I requested that Experian freeze my credt file and never unfreeze it. It didnt matter. Experian is handing out my credit file to any random person that calls. 

Experian should never be allowed to maintain anyone 's personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation