BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Chime Financial Inc
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chime sent me an email stating that my card was on hold due to them not being able to verify my information. I have not applied for any type of card from them or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with PENFED CREDIT UNION for {$20000.00}. I called PENFED CREDIT UNION to get clarification on why i was denied my right to extend my credit and explained to The supervisor XXXX at Extension " XXXX '' That under the law in Truth in lending, I was the original creditor Pursuant to 15 USC 1602 ( g ) - The term " creditor '' refers only to a person who regularly extends consumer credit, and which would then make PENFED CREDIT UNION a creditor to extend myself my own credit. In 1602 ( f ) the term Credit means THE RIGHT GRANTED BY A CREDITOR ( Myself ) to a debtor ( PENFED CREDIT UNION ) to defer payment of debt. I exercised my rights and was still discriminated against because I in good faith exercised my rights pursuant to 15 usc 1691 ( a ) ( 3 )! I was completely ignored by XXXX when i told him that he is willfully and knowingly gives false or inaccurate information pursuant to 15 usc 1611. PENFED CREDIT UNION Used my Credit Card ( SOCIAL SECURITY CARD ) Pursuant to 15 Usc 1602 ( l ) - " Credit card '' is ANY CARD existing to obtain money or services on credit. In 15 U.S. Code 1691a K- In the definition Adverse Action, No where does it say you can be denied due to credit. There is fraudulent activity on my credit report with XXXX and PenFed is discriminating my character and is not a equal credit reporting act! 

I am Demanding PENFED CREDIT UNION to use my open ended credit plan and Open the credit transaction for {$20000.00}! I am adding my exhibits received in mail.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2018-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from XXXX XXXX. XXXX and at first i had trouble tracking the shipment because XXXX XXXX   provide me the wrong tracking info. There link sent me to XXXX XXXX web site when i later found out XXXX XXXX   was handling shipment. This delay in not knowing where my shipment was is critical to what became a real mess. My shipment sat at XXXX XXXX XXXX in XXXX for three days and I still did not know it was there. With XXXX XXXX  you must make arrangements with them to get delivery. They said they tried to deliver to my street using a tractor trailer insead of a box truck and where turned away by police..They said they would try redeliver the next day using box truck. Instead they told me if i want the shipment i would have to repay deliver fee. I told them i was not going to do that i did npthing wrong. To make a long story short my credit card is still trying to charge me for a shipment i did not recieve.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2019-03-22
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19, I made a XXXX deposit to US Bank because I knew a transaction of XXXX was coming through on the XXXX. When I checked my balance, it showed I was XXXX in overdraft fees. I contacted the bank and talked with XXXX # XXXX XXXX who told me that because I deposited a check, the bank only released XXXX  which made me have late fees. When I complained to her that no one ever told me funds were going to held back because it was a check and besides it has already been two days. Someone else from USBank consumer complaints made a similar tale but said because the bank was holding the rest of the XXXX, I wouldn't necessarily owe them XXXX. Only if other transactions come in. I told her this was unfair and it looks like you are trying to extort money that was available in my account to give to US Bank because you want to. At no time was there an offer to make things right. The check has cleared their bank. There was no reason for them to do this to me. Oh by the way it is XXXX XX/XX/19 of this writing. US Bank has given me a deposit slip that says my deposit was for XX/XX/19 XXXX XXXX. How could this happen?

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 2023-11-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/23 I was locked out of my Huntington bank account with no contact from the institution. I contacted them by phone in attempts to resolve the matter and they refused to assist me and referred me to a branch in person but I am without transportation and unable to make it into a location today due to their terrible hours and locations. I do not feel that they are meeting the needs of consumers they are supposed to be here to service and this is not the first issue XXXX or others have had. I have worked in the fraud department for another financial institution and know this is not how a business should operate and that there are other options or means of verification. I would like someone to complete a review of this business and ensure that they start treating the consumer correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I am filing a complaint against Simm Associates. This debt collection company was hired by XXXX XXXX XXXX to claim a debt that was owed as a result of a private loan to attend school. I have communicated with XXXX you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, Simm Associates, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company.

This is the website of Simms Associates and the number they provided. 
https : //www.simmassociates.comXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Every time we have had taxes due, XXXX  yearly for the past XXXX  years going on XXXX, our mortgage company ( Pennymac ) has missed the payment XXXX XXXX times now ). When we have brought this issue to their attention, they give us a generic response. They state that they know the due dates and will make the payment before it is due. However, every date has been missed, resulting in receiving a delinquency letter from the city, along with a fine for being delinquent. Additionally, the loan servicer has completely mismanaged our escrow account and it is below where it needs to be as a result. This has caused our mortgage payment to increase {$600.00} a month. Overall we have very little faith in this company managing our mortgage for the next 28 years due to these huge oversights on our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank lowered my credit limit to {$500.00} from {$700.00} on XX/XX/XXXX as the letter stated. At that time and even now, I have never been late with paying on that credit card. After I called to resolve the issue, the agent would not even tell me why my limit was lowered and I had to search my email for the reason. The agent also told me there was nothing that could be done to get my previous credit limit back accept run my credit again to see if it would be approved. The agent ran my credit again and I was denied to get my original credit limit back or anything higher

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 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This reporting of incorrect information is very damaging to me and will not be tolerated. I am fully prepared to take legal action against the responsible party. I do not want to file suit against your company if it is not warranted. Please furnish me with written confirmation that you have or have not been contacted by the creditor regarding the above account number. If you have not I will focus my attention on the creditor instead of your company. If you do not respond, I will assume that you did provide the inaccurate information and I will be forced to follow through with filing a lawsuit against your company. As I stated before, I am quite sure that you have not been contacted considering the nature and circumstances of this dispute, but I do request to see that in writing. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. CAPITAL ONE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/ My company had its first big " payday '' for services. We bring entertainment to little kids birthday parties. The first payment was for just over {$4100.00}. 
We received a note from XXXX XXXXXXXX that the payment was to hit our bank account in 1-3 business days. 
The payment did not hit our account. 
We reached out to XXXX XXXX and they said they are not the credit card processor they have a 3rd party WE PAY by JPMORGAN do that part. 
We reached out to them. 
Their rep said we needed documentation for the service ( invoices ) we provided. 
The rep said we need to verify you are a real business.We showed we have been in business for over 6 years. Our website. We provided our credentials and qualification documents from the state. XXXX XXXX We provided all. 
The rep said they would now HOLD OUR MONEY until 120 days and return money to customers with whom we have already provided service for and they paid with a credit card. We are now in LIMBO for {$14000.00}. Also they took their fees ALREADY. 

We have attached correspondence and supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called they are not following consumer 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 2021-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX  for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization

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 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from NAVY FEDERAL CREDIT UNION for the interest I have earned, as a result of NAVY FEDERAL CREDIT UNION trading my securities on the exchange. This has been done without my knowledge and constitutes that NAVY FEDERAL CREDIT UNION trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018, Transunion sent me an updated copy of my credit report. After reviewing the report, I discovered that 2 out of the 5 previously disputed, unverified item were still on my credit report. ( XXXX # XXXX XXXX XXXX # XXXX  ).

Ive informed Transunion numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Transunion.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Transunion copies of the application, agreements with my signature. I respectfully request that Transunion open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, Transunion has reinserted two collections accounts that were investigated and deleted from my report dated XX/XX/2018 ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive a five ( 5 ) day re-insertion letter as outlined in the FCRA 611. Please delete said account 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