BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Resurgent Capital Services L.P.
State: WI
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX, XXXX {$800.00} Acount # XXXX XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. Convergent Accounts # XXXX XXXX  # XXXX, XXXX 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. 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AMERISAVE MORTGAGE CORPORATION
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally paid the upfront fee of {$500.00} on XXXX which locked in my rate of 3.0 % with lender credit to offset some closing costs. This would have had me getting cash back at closing. My appraisal was delayed as they could not get an appraiser to work with them and that was finally completed on XXXX, which would have been the last of conditions needed in order to close on this refinance- at which XXXX the loan officer had assured me the delays were not my fault and the lock would be kept in tact. The appraisal did come in lower than expected so there was a change in circumstance but I was not aware that anything on my locked rate had changed. No one had mentioned that they decided on their own to put me into a lesser rate of 2.75 % paying {$3600.00} in points for that rate which I was not aware or, nor agreed to. This is turn caused additional conditions of supplying bank statements, etc. As well, after repeatedly telling this company that they were collecting for taxes for my other property in escrow and upfront on this transaction, they still remain as items needing to be paid for at closing which makes absolutely no sense. I have been working with a XXXX XXXX and have even escalated to his manager XXXX XXXX, both of which appear to be incompetent and have no intentions on providing any type of good service and have stopped responding to my requests for resolve. My last message to XXXX on XXXX was that I would not continue to do business with this company and would like for them to refund my upfront fee because of their lack of urgency and not wanting to close this loan on their end. She has not responded to my email as of this date.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: Chime Financial Inc
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX I had a hard time getting my card back out of a ATM machine. Since it took too long, the ATM indicated it cancelled my transaction due to timing out, however it indicated to my bank account the funds were withdrawn. My card holder did an investigation and you ATM still indicated the money was withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have stated before for the nth time that this account below is not mine. The mere fact that you guys there at Equifax are ignoring my complaints all the time makes my head spin. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE the account below : Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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 have mailed out my identity theft dispute to Equifax, XXXX, and XXXX twice in XXXX and haven't received correspondence from the bureaus. I am a victim of identity theft. Account XXXX Illinois XXXX XXXX {$18000.00} is not my account. My personal information was used to open this account. I have uploaded my passport, utility bill, and ssn card with the original documents I mailed usps 2 day priority to XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Discover continues to try reach to reach me through my employer 's number. The first time I sent an email notifying them that I am not allowed personal calls at work and that they can not contact me at work. They have continued to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
9 unauthorized ACH withdrawals from my account contacting bank : XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 secure center message about same per info I received from bank I have authorized all transactions. I have requested documents / proof I authorized transactions and bank refused to provide this document on several occasions- in person / at branch and also by secure message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I participated in the government sponsored Covid Forbearance program due to lack of work and struggle to pay mortgage. The lender offered solutions to pay back the monies owed once the Covid program was over - Modification, Deferment & paying back arrears. Now that the program is over they are demanding payment of everything owed and will not allow me a modification nor a deferment. They are sending me confusing letters and will not work with me to achieve a reasonable solution to keep my home. I have owned my home since XXXX and have always been able to work with my previous lenders if there were any issues making payments. My mortgage was sold to my current lender almost a year ago and since that time I've received misinformation, lack of communication and refusal to assist with my issues as a borrower. I also filed a complaint with the XXXX XXXX XXXX when they reported my account to the credit bureau claiming I didn't make payment when in fact I was in the Forbearance program and their terms stipulated it would not be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I made a payment from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Zelle. The payment of {$550.00} was going to the business XXXX XXXX XXXX XXXX XXXX XXXX ) for a XXXX tree, which was supposed to be shipped to me. It appears that XXXX XXXX  XXXX received the funds, but has been scamming a lot of people, offering XXXX trees for sale and then disappearing. I believe ( from having talked to several other scammed consumers, that Zelle was aware of the scam from XXXX XXXX XXXXXXXX, since others had made complaints before mine. It looks like I was one of the last people to order. 

I have tried multiple times to contact the business, to no avail, and I have not received any product. I have asked XXXX to refund my money, and to disallow Zelle from being allowed to cheat future customers, since they apparently have no protections in place for scammed consumers. However, my credit union refuses to accept responsibility since the transaction was 'authorized. ' I also filed a complaint with Zelle, and they are pointing to their Terms and Conditions, saying that they aren't liable for any fraud or scams. 

Apparently, if I had used my credit union debit/credit card, I would have had protection since I never received the product purchased. Why is Zelle allowed to operate without consumer protections in place? Also, why is my credit union allowed to deny liability by using a 3rd party ( on the credit union website ) to circumvent a fraudulent transaction? 

I will never use Zelle again, and I urge the CFPB to take action against them, since they are aware that scams and frauds are taking place using their unprotected service. Further, I urge the CFPB to take actions against banks and credit unions who are using 3rd-party companies, like Zelle, XXXX, XXXX, to avoid liability that they would have if I used my debit or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Transfer to " XXXX XXXX. ", XX/XX/23, {$50.00} via the business Chime. 
Chime apparently sent the money to some XXXX XXXX XXXX ' that had a Chime account, and NOT to the only " XXXX XXXX '' in my contacts, XXXX XXXX, resident of XXXX, XXXX. ( Note the ". '' in Chime 's recipient name. This may be significant. ) Chime app said that it contacts intended recipient, for recipient to give banking # XXXX, if they are not already a Chime account. 
First solution offered via Chime was to contact " XXXX XXXX. '' via the original transaction, and ask, whoever or whatever " XXXX XXXX. '' is, to please return funds erroneously sent to them. I did so. More than a week and no response. 
I filed XXXX disputes with Chime about the original transaction. I explained that " XXXX XXXX '' received XXXX contact or funds via Chime, and that " XXXX XXXX. ", whom Chime sent funds, was not " XXXX XXXX '', or, more fully, " XXXX XXXX '' that existed as the only " XXXX '' in my contacts. I explained that Chime never asked nor confirmed by asking about confirming phone or email or banking contact that they had the correct " XXXX XXXX. '' Chime " denied '' both disputes within a few hours with no explanation. 
I, perhaps foolishly, assumed, that as I had only XXXX " XXXX XXXX '' ( spelled out, " XXXX XXXX '' ) in my contacts, that that was to whom Chime was sending the {$50.00}. 
XXXX a fraudulent scheme where accounts are created with common first name and XXXX versions with first letter of last name : XXXX XXXX XXXX ', XXXX XXXX. ', XXXX XXXX ', etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
For XXXX, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX For Transunion : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both XXXX and XXXX breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.

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 2023-12-16
Company: EQUIFAX, INC.
State: FL
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:
I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX  loan information has been reported to credit reporting agencies, XXXX, XXXX, and Equifax. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX loan information and the legitimate interest each entity had in obtaining this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Chime Financial Inc
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On Friday, XX/XX/, I woke up to a text message and email from Chime saying welcome and my new account was waiting for action. I have never signed up for a Chime account. These came through at XXXX and XXXX respectively. I went to work unsure of what to do, while at work I came in contact with someone who actively had a Chime account. I showed them my messages and asked how I would receive this if I never signed up, they said it was unlikely to happened and I should contact the company itself. After work I called Chime, informed them that there was an account opened in my name and gave them the phone number and email associated with the account. The first associate, XXXX, would not assist me without my birthdate or social security number. I would not provide any additional info as I had not set up the account. After that call I did download the Chime app and find a bank routing and account number. I called back and spoke with a XXXX who, again, asked for my birthdate and social but I again refused and told him I had the account information and he should have no problems looking it up that way. After some time I was told the account was closed but was not given any info on who opened it, with what social, or when. I was instructed to file a police report and contact the credit bureaus to protect my credit.

Company response to consumer: Closed with explanation