BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXXXXXX  an agent from XXXX XXXX mistakenly overcharged my Chime account in the amount of {$260.00}. I requested that my account be debited {$130.00}. I immediately caught the error and call the cable company. I spoke with XXXX who told me to get in touch with Chime and dispute the error. I did this and Chime opened a dispute in the amount of {$260.00}, dispute number XXXX. 

On Saturday XX/XX/XXXX I was given a provisional credit of {$130.00}. On XX/XX/XXXX i contact the Chime dispute department requesting to know where the remainder of my money was ; Initially I spoke with XXXX who identified himself as a supervisor, he transferred me to XXXX in the disputes department, who told me the remaining money, of {$130.00} was paid to XXXX. No such payment was made, as verified by XXXX XXXX XXXX XXXX XXXX senior level management. From XXXX, I was transferred to XXXX, also claiming to be a supervisor in client disputes ; again I was told the money was forwarded to XXXX. I was forwarded a bank statement that they insisted had the missing money paid to XXXX. No such payment was made.I was transferred to Eme also stating she was a supervisor, I asked the same questions, she assured me my remaining balance of {$130.00}. Was paid to XXXX. I was then transferred back to XXXX, who could only say the investigation was not not concluded. I am a senior citizen and I need my money to take care of my responsibilities. I need your assistance in getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am writing to file a complaint against VanillaGift.com regarding a gift card I purchased and used. I initially funded the gift card with {$500.00}, but after using {$190.00}, I checked my online balance only to find that my balance was only {$100.00}. Upon further investigation, I discovered that someone else had used the card before I started using it, without my authorization. 

I immediately contacted VanillaGift to dispute the fraudulent activity on my gift card. They assured me that they would investigate the matter and replace the gift card within 45-90 days. I was assigned XXXX # XXXX. However, it has now been more than 90 days, and despite several attempts to follow up on the case, I have not received any resolution.

Every time I call VanillaGift, they put me on hold and tell me that they have escalated the case. However, they have escalated the case three times now, and there has been no change in the status of the case. This is very frustrating, as I have been waiting for a resolution for a long time.

I am requesting that VanillaGift replaces my gift card with the appropriate balance of {$300.00}, as I have been a victim of fraud. I hope that the Consumer Financial Protection Bureau can investigate this issue and ensure that VanillaGift provides me with the resolution I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Nationwide Recovery Systems, Ltd
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nationwide recovery systems at XXXX XXXX XXXX XXXX XXXX, Tx has put a duplicate collection on my credit report 3 times. The date " opened '' has changed each time but the original creditor and amount owed remain the same. Each month if the amount is not paid then each duplicate debt shows up as a late payment. That means this debt is showing up late in triplicate every month. I have paid the debt with the original creditor but the three marks remain. This seems to be highly fradulent! 

The original creditor is XXXX XXXX XXXX My credit report lists that nationwide opened this account on : XX/XX/19, XX/XX/19 and XX/XX/19. In the amount of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I unfortunately fell victim to a rather sophisticated online scam while engaging the services of a company called XXXX for my XXXX XXXX XXXX. After realizing this, I promptly informed my bank and sought their assistance in obtaining a refund. Initially, the bank provided me with temporary credit as a gesture of goodwill, but regrettably, they unexpectedly reversed the credit without notifying me beforehand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of account ( XXXX ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dept of ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US dept of educatio XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed

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 2016-04-26
Company: National Arbitration Forum
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from an 'unavailable ' number ... as did my mother, my father, and XXXX of my sisters on their cell phones ( none of whom I 've lived with for over 20 year ), from a woman claiming to be 'Investigator XXXX XXXX from XXXX '. She claimed that she was notifying me of a certified court summons that she was hired to deliver to my home or place of employment on XXXX/XXXX/16. And that if she does appear at my place of employment, she will need my supervisor present as a witness and that I will need XXXX valid forms of identification. If I will not be available or I wish to resolve this voluntarily, I may contact the 'petitioner ' ; they are requesting to speak with me beforehand. Their number is XXXX, and then gave me a case number XXXX. Failure to contact the filing party will result in her coming out with a uniformed officer, as well as being issued a body attachment. She finished her voicemail by saying 'Thank you and good luck ... you have been legally notified '. First of all, I have had a legitimate court summons sent to me years ago after my divorce for a credit card bill that my ex did n't pay. No one called me first ; no one called my family members ; no one threatened me with police at work. It arrived from the mailman as a certified letter. Period. That is how all real legal court summons work. Do not let these people scare you into giving them money over the phone. I called the number XXXX ' left me & the voice on the 'automated answering system ' was this same XXXX ' person. When I finally got transferred to someone, the guy who answered claimed ignorance. I told him this person said you wanted to talk to me, why would she say that if the case is no longer in your office?? I raised my voice real loud & informed him that this call was being recorded and they had better stop calling me & my family & harassing me ; that I am going to report this wherever & however I can to help avoid others become victim to their scam and extortion. He claimed he was notating my account.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of ed/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court. I mailed a letter certified to the whom they advised reported the inaccurate information. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: The Receivable Management Services LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX of this year I called Ally and asked them to close my CD account number XXXX and mail me the check for {$51.00}. XXXX. I have never received the money. 

On XX/XX/XXXX, since I still hadnt received the money, I asked that the amount be deposited into my checking account number XXXX. Instead, that account was closed and that {$4000.00} balance was mailed to me. 

I have still not received the CD amount after five customer service calls. Ally claims two checks were mailed to me but have not provided proof. They claim the first was returned to them and the second lost mysteriously in the mail. That is impossible to believe ; I have received many dozens of correspondences by mail from them over the XXXX years Ive had an Ally account including a statement last week. 

W/e XX/XX/23 I made my XXXX call to customer service and asked for a supervisor. When I asked that the alleged second check be cancelled and the amount deposited into my checking account they had mistakenly closed, I was told by this supervisor that I would have to fill out a Lost Check Affidavit which includes this language : I also understand that the Bank has the right under the Uniform Commercial Code to require me to wait 90 days from the date of the original check before it issues me a replacement check. I obviously will not agree to that. 

I suspect this is Allys coordinated attempt to delay returning my money to me. But even if it is only systemic incompetence on Allys part, this is willful bad faith and has deprived me of seven weeks of interest payments with no progress toward receiving payment. 

Can you help me collect the money due to me for over 2 months? Thank you. 

Ally Financial XXXX XXXX XXXX XXXX, MN 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 monetary relief
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has failed to respond to my previous complaint, but also revealed a clear failure, as in the information they did provide they made statements which indicate they did NOT provide complete information during the transfer of my mortgage to XXXX. 

My previous request was for WF to provide ME with copies of the information sent to XXXX, as XXXX claims it did not receive multiple pieces of infomration. WF continues to claim it sent information, but refuses to provide any proof of what was sent, only their " assurances ''. That makes their claims as valid as my claim to be the XXXX of XXXX. 

There is no reason to refuse to provide copies of what was sent, if it fact they provided all necessary information. 

In addition to failing to provide a valid response- the documentation - WF also, in the letter dated XX/XX/XXXX, states that it communicated to XXXX that I am a successor in interest on the account. XXXX claims to have no record of that. But more importantly, I am the administrator of the estate ( in addition to being a XXXX ) and have been for a year and a half. I have been communicating with WF as the estate - and therefore the rightful account holder - since fall XXXX. They - by their own admission- apparently did not inform XXXX of this, and therefore prevented me from being able to in any way communicate with XXXX  regarding the mortgage

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 2017-04-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is listing items on the credit report for XXXX that do not belong to that social security number. I attached a copy of experian credit report. only 3 of these accounts report to XXXX. This means, they are double reporting accounts, which is illegal. For Example XXXX Account # XXXX can not report to XXXX social security numbers. XXXX Account # XXXX is already reporting to XXXX. It can not also report to XXXX because they do not even have that number to report to. Experian is not the government,. and must honor each social as its own entity.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have now disputed with Experian 3 different times regarding the same issue since XX/XX/2016. I had a vehicle loan. The vehicle was involved in a crash. The insurance paid the remaining balance on the car, and documentation is attached. However, Experian has reported it as a charge-off. I have contacted the financial company the loan is through, XXXX XXXX, and have documentation from them stating the account was paid fully, as well as payment history. XXXX XXXX has attempted 3 times to have Experian change the charge-off to paid in full, good standing, no charge-off, and Experian has refused each time. Both of the other credit reporting agencies do not show this problem. However, the problem with Experian has now caused me to be declined for a new credit card, further affecting my credit score, as the credit company used Experian for it 's credit check.

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 2017-04-06
Company: KEYCORP
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with Key Bank with over draft protection. The XXXX said my balance went below the balance and they put roughly {$1000.00} in my account. I am claiming the account never went negative and asked the bank to prove where and when that happened. The Bank has n never sent me any statements and it was n't until I went to on line banking that I found this out. The Bank has been deducting min payments out of my ch checking account and interest and annual fees. I have been trying to get the bank to responed since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: KS
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:
Having submitted a complaint against Experian on XX/XX/2023, I received an interim response from them on XX/XX/2023. In this response, Experian acknowledged their re-investigation of the matter, transferring it to their dispute team. Their communication assured me of a response within 30 days. Today being XX/XX/XXXX, I find myself without any communication from either Experian or their dispute team. 

Experian 's role is obligatory for every American with a SSN due to credit debt, which makes my original complaint still valid. It pertains to their failure to address my query : Why does Experian 's Boost program include seemingly discretionary expenses like XXXX or XXXX subscriptions, while omitting essential monthly bills like car insurance? Car insurance, a mandatory payment for commuters, is perplexingly absent from their Boost program. This inconsistency raises the question of Experian 's selection criteria for inclusion.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-07-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, 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:
I have hard inquiries on my report that I have no affiliation with. I didnt apply for credit for these accounts. 

XXXX XXXX bank XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These unwarranted inquiries are having a negative impact on my score. I dont have any accounts with these companies.

Company response to consumer: Closed with explanation