BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have contacted Chime bank on several occasions since XX/XX/22 in regards to them closing my account and issuing my remaining funds, the most recent interactions being today XX/XX/22. Chime has given me no straight answers and refuses to release my funds to me, but also refuses to give me a real reason for the closing of my account. I can not wait XXXX days or more for my funds, I am a single mother to XXXX young children and need my money for food & other lively expenses. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has sent a debit card on my personal account and it does NOT work. The PIN they provided does not work. It has been going on for last 6 months. This is a criminal bank and have wait to 40 minutes to talk to customer service. Have to spend 5 days at the bank and no one knows how to fix it. Customer service is a 4 letter word.

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 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
The complaint in question is against Midland Credit Management, a third-party debt collector ( hereinafter referred to as MCM ). 
MCM purchased a debt from XXXX XXXX which they are attempting to collect ( {$1300.00} ). MCM has violated several FDCPA rules. 
The rules violated are as follows : calling my spouse repeatedly ; demanding payment from my spouse in my behalf ; discussing debt with my spouse, ( in violation of 15 USC 806 ). A complaint to MCM has been filed on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: AL
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:
Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}

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 2019-07-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management is trying to collect a debt that was paid to the credit card company XXXX years ago. I have sent them proof of this, but they have ignored it and repeatedly call me, and have now sent a letter threatening to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-12-30
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2019-02-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my Mortgage company starts reporting my payment history to all credit bureaus for a long time. I was told to send in a letter stating that I want them to start reporting to all credit bureaus, I did that on XX/XX/XXXX. Prior to that I have been calling and asking them. I didn't think I have to do that. My loan was sold to them on XX/XX/XXXX. When my old mortgage company closed due to a new company, my score dropped XXXX points. I did not ask for this sale but it happened. I have been calling to see why they have not reported. I was told they did but they have not. I do not like getting the runaround. I received a call from one of the managers for two days ago, I was told that I have to call all credit bureaus to do an investigation, only XXXX  did that and not the other two. I was told that my mortgage have to start reporting because they have no record of this account. When I apply for something I tell they I pay a Mortgage and it is not on my credit report, They think that I am lying. I think a business should conduct themselves as a respectable business when this type of situation happens. I did not ask for this sale anyway. Why do I have to suffer because of them not reporting? If they are reporting, why any of the bureaus have this information. That is pretty strange. Please start reporting my payment history. Please and thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. Thank you.

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 2023-10-03
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am trying to work through repayment options with Aidvantage. I first submitted a recalculation request, never received a confirmation in doing so and I am worried they will charge a late fee. 

I also tried to submit a payment while my loan was being reviewed using the same bank account I used before the XXXX deferment and they are now saying that I need to have my bank send them a letter because the previous payment was kicked back. There was no issue on my banking side so now I am unable to make any payments because their website wont accept it. 

All this happened on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: AZ
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: GA
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:
The inquiries listed in my report were unauthorized .I  requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2023 : Used A Synchrony Financial Credit Card at XXXX for a {$45.00} transaction. 

XX/XX/2023 : Returned Some products to XXXX for a refund back to the Synchrony credit card in the Amount of {$19.00} XX/XX/2023 : Made a payment to Synchrony for the difference of the original purchase from XX/XX/XXXX, in the amount of {$25.00} XX/XX/2023 : Received an email from synchrony bank that I had a statement balance of {$19.00} That was due XX/XX/2023. 

upon my own investigation I discovered that I was charged a late fee of {$19.00}, A finance fee of {$1.00} and additional late fee for a total of {$41.00}. 
Synchrony bank reported I was late on payment to the credit bureaus. 
I placed two calls to Synchrony bank about this issue explaining I did nothing wrong and that my payment was made 43 days prior to an assessment of a late charge. I was asked whether or not I had my return receipt for the transaction that was made in XXXX as well as that I have a balance of {$41.00} for missing a payment. 

I went to the original purchase store ( XXXX ) spoke with a XXXX and was able to obtain printouts of both the purchase and return from XXXX. 

In a phone call with Synchrony bank, they stated that a dispute would take up to 60 days, with more late reporting sent to the credit bureau and during that time I may receive calls from a bill collector. 

I decided in order to avoid harassment from a bill collector, and destruction of my credit history to pay the additional {$41.00} which I technically did not owe. I asked Synchrony bank when would I get my money back once they were able to verify the situation and was told that the process can take up to 45 days, that I would receive a credit on the account and if I do not use the credit after a period of time a check would be sent back to me in the mail. 

So here I am, frustrated filling a complaint to the CFPB. I don't know who was wrong between XXXX or Synchrony Bank. I do know I was not in the wrong and should have never been in this position. The arithmetic was simple, a purchase minus a return is what I paid. I've always paid what I owe in a timely manner. What takes a lifetime to build can be destroyed in a moment and my question is why did 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 monetary relief
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: VA
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 rented a car from XXXX in XXXX, XXXX on XX/XX/2018 and I returned it on the scheduled drop off day. When I returned the car I checked it thoroughly with the XXXX agent present and no damages where found. I was also asked to sign a report stating that no damages were found to the rented vehicle. On XX/XX/2018 I noticed a charge of {$350.00} on my credit card from XXXX. I did not authorize this transaction, and I did not know what this charge was for. 
I disputed this transaction with Chase, my credit card company, but my dispute was denied because " We [ Chase ] found no evidence of a billing error based on our research and the information available to us '' ( Letter dated XX/XX/2018 ). This letter came with an invoice for damages - XXXX euros and fee XXXX euros - but no other details or documentation about the alleged damages. 
Since I did not damaged the rented car, I asked Chase to reopen my dispute case ( Claim ID : XXXX ). 
Last month I received a letter from Chase dated XX/XX/XXXXstating " We [ Chase ] confirmed that the transactions you disputed are valid '' and " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred o your account. '' " We [ Chase ] maintain that the charges is valid based on the information available and the results or our research ''. 
The disputed charge is totally arbitrary and unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: ENCORE CAPITAL GROUP 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:
I have been trying to remove these items from my credit report for over a year. I have tracking # proof also. My pastor told me about the 609 law and helped me write a letter of intent to all XXXX credit bureaus. They have not responded or provided any proof of these debts that are not mine. I am trying to purchase a home and this is causing a huge problem. 
XXXX : MIDLAND CREDIT MANAGE for {$980.00} XXXX MIDLAND CREDIT MANAGE for {$2400.00} XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent investigation back in XX/XX/2020. Recently last month, no sign of investigation nor information given. Everything has been tracked and showing in receipt. Per XXXX XXXX XXXX these debts I was never notified in 5 days. Im not aware of these debts and very unfair for XXXX to say I owe a debt thats NOT correct. I didnt get into contract with this company and I always pay ALL my debts. Also per XXXX XXXX XXXX, multiple violations have been committed. I have not got any information from the credit bureaus and have submitted investigations yet no information given and its been over the allotted timeframe per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2020-12-30
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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation