BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This accounts has errors and inaccurate. The Balance, dates, please provide method of verification.

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 2023-02-04
Company: Patient Accounting Service Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have been contacted for a debt that was a workers comp situation and the hospital took all my insurance information. 

I submitted all insurance information upfront. They knew before hand this was a workers comp situation and had requested my insurance before my appointments. I am not sure why I am getting contacted now. This should have been taken care months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Timeline  of Events : - On XX/XX/2022, I attempted to log into my Chime account but discovered that it had been closed without any prior notice. Upon inquiring with Chime 's customer support, I was informed that my account was closed due to inactivity. They subsequently reopened my account ; however, to my dismay, all of my funds had disappeared. 

- On XX/XX/2022, the entire balance in my Chime account, which amounted to {$1500.00}, was removed, and my account was closed. 

- On XX/XX/2022, I received an email from Chime, encouraging me to " Open the app and make a buck. '' Intrigued by this offer, I followed the instructions and earned {$1.00}. This shows that there was recent activity in my account, and it is unreasonable for Chime to claim inactivity as the reason for the closure. 

- In the months leading up to the account closure, there were numerous deposits made into my Chime account, indicating regular activity and usage. 

Attempts to Retrieve Missing Funds : I have diligently searched for my missing funds on reputable unclaimed property websites such as XXXX XXXX XXXXXXXX, MN Unclaimed Property ( findyourunclaimedproperty.com ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for potential unclaimed property in California. Unfortunately, my efforts have yielded no results, and the funds remain unaccounted for. 

Challenges with Chime Customer Support : My attempts to resolve this issue directly with Chime 's customer support have been incredibly frustrating. Each interaction with their support team has been isolated, with no access to the previous chat history. Consequently, I have been provided with generic responses and have not been able to follow up on any of their answers or receive any substantial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 
Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

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 2021-07-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fifth Third Bank - In Fall of 2020 I gave {$50000.00} from an IRA to bank and instructed bank to put it in a callable CD ( I already had similar investments ). Instead, it was invested into something called XXXX XXXX XXXX XXXX against my wishes and direction. It was very clear as I had even had an argument with the lady when she suggested investing into anything other than CDs. I have since withdrawn the funds. I understand that XXXX XXXX XXXX XXXX are not secured by FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
Two of my credit reports are showing past due with incorrect amounts due and owning. The account is current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: On Q Financial
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Grain Technology, 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: Account status incorrect

Complaint:
Grain has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. Grain requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX XXXX  and Grain does not supporXXXX XXXX XXXX Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. Grain 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, Grain sent periodic text messages with inconsistent information. I'd receive a text saying the account was XXXX  days past due followed by XXXX  days, followed by XXXX  days, almost due, nothing was ever presented to me with accurate information. Grain not once communicated to me in a timely or accurate manner. Grain never sent anything to me in the mail or make any phone calls to me. Grain is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having Grain update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Spouses first consolidated loans in XX/XX/XXXX and later refinanced the consolidation loan in XX/XX/XXXX with a balance of {$110000.00}. Husband diagnosed with chronic XXXX XXXX and unable to maintain income. Hardship deferral offered. Loan balance grew and is currently {$270000.00}. Now paying on income-based repayment plan but do not anticipate ever having enough income to pay off the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 a credit card with Bank of America. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. Bank of America erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank of America verifying all this. I tried contacting Bank of America to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from Bank of America.

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i'm having a hard time getting my disputes processed with the credit bureaus and updating my current address.

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 2016-10-06
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home for nearly 20 years. I am facing a foreclosure sale because my mortgage lender, Nationstar refuses to review my financial information and put any options on the table. Nationstar has stated to us that even though they received XXXX in government bailout funds that they are not obligated to participate, and that the investor on our particular loan does not offer any type of modification or retention options. This despite the fact that my wife and I earn a solid living and clearly fit into guidelines for government programs. This is a situation that could be fixed, but Nationstar will not assign a single point of contact, will not even look or consider ANY type of retention programs. I understand that possibly the investor has rules but it is common sense to try and FIX the problem when we have clearly demonstrated the ability to pay. 

We tried to talk to them about other options for retention outside of modification ( recapitalizing the late payments, repayment plan, etc. ) but they would not even CONSIDER this. I must say that I believe that this may have been racially motivated. My wife and I are XXXX XXXX and we were misled from the time we were talked into this bad adjustable rate loan ( starts at 7.5 % and can adjust as high as 14.5 % ) and then when we struggle we are told we ca n't even be CONSIDERED for a government program that we know our lender participates in. The agents who said they would help us and work with us soon became condescending and rude and then simply ignored us. This is not acceptable. I make a solid income through my social administration work. My wife is gainfully employed as well. We are not asking for a handout, just a fair shake. Nationstar has not given us one. We clearly fit into guidelines for help and this is an avoidable foreclosure. This situation is bad for our family, for our neighbors, for Pennsylvania and for our government that used taxpayer money to give Nationstar XXXX to help struggling homeowners!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: DISCOVER BANK
State: AR
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: Investigation took more than 30 days

Complaint:
I had a secured Discover Card in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to Discover and mailed them by USPS delivery confirmation mail to Discover, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the Discover account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my XXXX  scores are close, but due to this negative, they are not close enough. This one negative from Discover is killing my chances of getting the loan. If I still owed Discover money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Investigation took more than 30 days

Complaint:
Experian has continued to ask for additional information to support my disputes, i have complied with XXXX XXXX XXXX and Experian request on XX/XX/2022 in person at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX employee of Experian reviewed, confirmed, and sent all documents to XXXX XXXX XXXX Consumer Affairs Specialist.  On XX/XX/2022 i submitted additional document at the same location and was sent to XXXX XXXX for review and to open dispute. I did not receive a email stating that a disputes was open for the dispute dated XX/XX/2022. 

I have sent full copies of police reports multiple times and previous fraud related items has been removed per those police 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 2023-02-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank is the credit card servicing bank for BJs MasterCard. In my invoice for XX/XX/XXXX, I noted a late fee of {$41.00} added to the amount due. I submitted payment on or before XX/XX/XXXX with an expectation that the payment amount would be processed in advance of the stated due date of XX/XX/XXXX. I contacted Comenity Bank using their online Customer Service portal ( see copies of communications attached ) who indicated that they would remove the late fee. I made an additional payment of {$170.00} on XX/XX/XXXX with the expectation that this would certainly be processed well in advance of the stated due date of XX/XX/XXXX. Unfortunately, my XXXX XXXX showed a late fee debit of another {$40.00} and no indication of the receipt of the amount submitted for payment submitted on December 29, 18 days before the due date! I have submitted a payment in the amount of {$200.00} via my personal bank XXXX XXXX Bank ) online BillPay dated XX/XX/XXXX with the expectation that this payment will be processed at Comenity Bank as of or prior to the stated due date of XX/XX/XXXX. I am not hopeful that this payment will be acknowledged by Comenity by that date. 
It is my belief based this history of their refusal to acknowledge receipt of amounts tendered via the XXXX XXXX  XXXX online banking application in a timely manner, Comenity Bank is engaged in a fraudulent banking practice, intended to obtain significant financial profiteering via the manipulation of the electronic banking system and deliberately and intentionally denying receipt of funds tendered in a timely manner. In todays current use of electronic money transfers between and among banks and banking institutions, it is unconscionable that Comenity is allowed to engage in such fraudulent actions which in effect amount to theft. I can only XXXX the total amount of funds obtained through this practice on a nationwide scale, even if limited to BJs customer Mastercard accounts. 
Please feel welcome to contact me should you require any additional information. 
XXXX : I note that the XXXX bill from BJs includes a note indicating that as of XX/XX/XXXX, the BJ Perks Mastercard program will change from Comenity Bank to XXXX XXXX. I wonder why this change was determined to be necessary by BJs.

Company response to consumer: Closed with monetary relief