BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an issue with chime bank specifically there credit builder card On Wednesday XX/XX/XXXX there were XXXX atm withdrawals in my card totaling XXXX dollars plus fees I was almost a hundred miles away with my team for work and when I noticed it I immediately froze my card and contacted the issuer. 

I submitted a police report and immediately forwarded all documents from police and my itinerary from my traveling. 

Dispute was opened and I contacted them several times checking status over the next 60 business days it was said to be till they could find resolution. 

On the final day left in the dispute I called them as was told that the files that I submitted were there but werent sent to the investigators. 

My claim is was initially denied for their lack of follow through. 

I had to reopen the claim with the documents sent to the investigators on the hope that they may reopen it. 
It was subsequently denied again with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: SYNCHRONY FINANCIAL
State: IL
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 discovered that a XXXX account with SYNCB was opened fraudulently. On 2019 I got noticed that I might be sued and did not know why when I noticed multiple accounts were opened fraudulent. I have filed a police report and advised all creditors. They did identify that I am not responsible for it and then account was sold to a different creditor and they attempted to collect in debt and threatened to sue me. They have received all documents from me and since then have removed it from XXXX  credit reports but not on trans union or XXXX. Now thats with the other collection agency they will not update reports since it was original creditor synchrony removed it from XXXX  they have to do the others as well, but when I contact synchrony they tell me to call collection agency. I have exhausted both ends and getting run around from both. They did agree if fraud as they told me that XXXX was limit but there is a balance with charges of over XXXX showing in my report. This is not mine and I cant get either company to remove from credit reports. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2021-04-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
What is complaint about : Pen Fed mortgage failed to complete our loan which was started in XXXX XXXX and was scheduled to complete on XX/XX/2020. 

What happened : Due to poor communication and misleading information, we were forced after 90 days to find a new lender during the month of XXXX and start a loan process from scratch. Repeated requests for updates went unanswered for days ( sometimes 6 plus days ) through XXXX and XXXX, sending critical notices to the wrong email address and the answers we got were not correct. We do not know the cause but whether negligence or indifference the effect was the same. We provided even them with appraisers in the area What company : Pentagon Federal Mortgage Who are the people : XXXX XXXX XXXX, Digital Mortgage Loan Officer XXXX XXXX, Mortgage Processor plus various managers and supervisors who listened to our complaints on XX/XX/XXXX when we called asking for explanations and resolutions. We spoke to 5 different people during an hour and a half call. Note that even after going through their management chain, there was no improvement in the accuracy nor frequency of the communication from Pentagon Federal. It is conjecture but it seemed like they just wanted us to go away so they could deal with the larger customers. 

What response do we want : No one should have this much trouble getting a loan. We would like Pen Fed to reimburse us for the direct costs we incurred : {$660.00} in additional storage and {$700.00} in additional motel stays, to say nothing of the indirect costs of staying in Virginia for an additional 2 months. We'd also like an apology for the incredible stress this put us under. Plus an apology to the TN seller, who was forced to secure a loan to fill the gap between when they moved out in XXXX -- -IN GOOD FAITH -- -and when we finally closed in XXXX. This should NOT happen to anyone else. The stress involved in buying and selling your main place of residence is high enough without avoidable complications.

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 2015-05-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have informed XXXX XXXX many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
made payments to Rushmore and they statd payments sere never receivec. chase shows online payments sere made. XXXXXXXX XXXX  foreclosure on this house without any legal notice. I never knew that XXXXXXXX XXXX  had any legal interest on this loan. My mortgage was sold over five times.Since the house is foreclosed and sold. This effects our credit score and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Security Credit Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XXXX credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from Security Credit Services in XXXX, XXXX XXXX XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but XXXX is still reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck.

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: Experian Information Solutions 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:
Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : 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 2018-05-11
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I looked at my 2 student loans I have Navient. I noticed I was not having much of a dent in my balance each month. It seems that after paying student loans for 15 years on and off I can't get my balance lower than {$30000.00} when my original loan amount was {$7900.00} one loan and {$21000.00} for the second loan. I have a fixed rate of 4.5 percent. I feel like I'm paying a lot more in interest than the 4.5 percent fixed rate. The interest on {$7900.00} should only be {$350.00} and the interest rate on {$21000.00} should be {$970.00}. The student loan provider website says that in the life of the loan my total to pay back will be {$39000.00}. If my loans are 4.5 percent should not the total be no more {$31000.00}. Maybe I do not have an understanding of all the fees with student loans. I don't know. My loan was with XXXX before it was serviced by Navient. I feel like each month when I make a payment most of it is going toward interest and the interest is a lot more than 4.5 percent. I called Navient on XX/XX/XXXX18. I asked the question about interest. The lady I spoke to did not have an answer for me. She put me on hold. After a few minutes I was transferred to a survey for quality assurance. After the survey I was disconnected. I called back and had the same experience again. I felt like no one could answer my question about why my balance is not going down. I have had late payments in the past but have been up to date for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an issue with IRS deposit, my IRS refund was supposed to be deposited in my chase checking account XXXX but it was mistakenly deposited into somelse account at chase XXXXI have tried for XXXX good months to explain to the bank that they were supposed to reject a refund that does not belong to the account holder.Per the law chase bank was supposed to reject a refund that doesnt match with the account .Chase bank has failed to do that and has refused to refund me my money. 

During refund time many people face wrong account deposit by the rules sets for banks they had to monitor such account and reject it if possible .Chase is reliable to send me my full refund of {$5200.00} Chase has 4 days to issue a refund, otherwise I will seek personal financial injury lawsuit for financial distress this bank has caused me Chase has refused to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX put a inquirie on my report and I have not applied for credit not signed any legal document to run my credit and I have a alert on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: MIDFIRST BANK
State: UT
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:
XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX XXXX  put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to Midland Mortgage as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to Midland Morgage in XX/XX/2020 along with the XXXX payment to bring the mortgage current. Midland also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is XXXX with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). Transunion and XXXX  are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and Transunion and XXXX  are allowing LVNV Funding to commit this fraud there by making both Transunion and XXXX  guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that Transunion and XXXX  are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want Transunion and XXXX  to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). Transunion and XXXX  both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this Transunion and XXXX  are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again Transunion and XXXX  are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to Transunion and XXXX  that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against XXXX  and Transunion.

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 2019-02-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
This complaint is regarding a dispute that an XXXX purchaser opened against me. The dispute was filed in error ; the buyer provided written documentation to that effect and stated that he was working to reverse the mistaken fraud report that had been filed previously. 

Paypal was provided with ample documentation to this effect on XX/XX/XXXX and XX/XX/XXXX. Documentation included : 1. Written documentation from the buyer attesting to the mistaken fraud report.

2. Tracking information indicating that the item had been delivered.

3. Positive feedback on XXXX from the seller indicating that the item was as described. 

Initially, Paypal even tried to charge me an additional {$20.00} chargeback fee before I called and complained ; they subsequently reversed the charge. My main complaint at this point regards the negative balance in my account due to the fraud report. This morning, XX/XX/XXXX, I received a threatening email from them in which demand that I add money to my Paypal account or face debt collection efforts. This is in direct contravention to assurances I received when I spoke with customer service last week. 

In sum : 1. Based on the ample documentation provided, Paypal should cover my case under seller protection, which they have thus far declined to do.

2. Paypal should remove the negative balance on my account, as the case against me was filed in error and written documentation confirms this.

3. Paypal should issue a written apology to me for its repeated failure to act in my best interest in this dispute.

4. When there is an open dispute that results in a negative balance, Paypal should NOT issue threatening email communications to customers demanding payment, especially before the dispute is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector, Columbia Debt Recovery XXXX, XXXX XXXX, is trying to collect on a debt for an apartment rental that my family left from mid lease. The reason we left the lease early was due to an unsafe living condition that the landlord did not address. My family was threatened and intimidated by another tenant multiple times due to race. Threats were made directly to our XXXX XXXX XXXX daughter due to race. The landlords response was they would not do anything until there was a physical attempt to harm us be the other tenant. To keep our daughter safe, we moved out of the apartment. 
We have police reports on this manner as well.

Company response to consumer: Closed with explanation