BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 2023-12-15
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I sent my daughter XXXX dollars. Chime advertised that you don't have to have an account to receive money. When my daughter tried to add the money to her bank card she was denied access to the funds. She then send a text message to chime letting them know what problem she was having and was told that she would need to open an account in order to receive the funds. I she did not want to share her information with them. And they said they would send my money back to my account immediately. It never happened. So I called a chime number off the internet and explained what was going on. They said they could help me get my money back on XX/XX/2023. The person asked me to verify my information and amount of the transaction. And I told them. This person. They then proceeded to transfer my money from whereever it was held back to my account. Within minutes I saw them transfer money back to my account and then transfer my money from my account to XXXX XXXX XXXX account. I ask what they were doing and why did them send my XXXX dollars to that account. I got hung up on for the rest of the night. I then tried to file a complaint and ask for a refund and they told me they would investigate and that I was eligible for a refund only to send me a message in 2 days saying they investigated my complaint and they would not be giving me a refund and they would close the case and sent me paperwork of there findings. They said they did not find anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Department of Education refuses to be accountable even after being sued! 

In XXXX I received email correspondence regarding my student loans with XXXX XXXX I proceeded to complete the application under the assumption that it was because they are the same school. It was only until XXXX of this year ( XXXX ) that I was told I had to complete a separate application for XXXX and XXXXXXXX XXXX I immediately completed the application for those 2 additional schools. The application I completed in XX/XX/XXXX has been addressed and the loans are in pending discharge status. I have several issues : 1- no one is accountable. The information I was provided initially did NOT guide me te complete an application for each school. In fact, there was minimal information on the website in XXXX  Why are we employing individuals that are not equipped to provide information to borrowers that allows proper expectation setting and less phone calls? 2 : The process is already drawn out and flawed. I don't understand why, if you have already reviewed my loans and you SEE two additional schools that ARE on the list AND there are 2 pending applications, for whatever reason- why not address them all at that time?? Why should I have to wait 3 years? 3 : my last complaint was open and unaddressed for 6 months. When it was closed, the note stated it appeared my issues were addressed. No, they were not as that I have more than 1 issue. They just closed out the complaint. The prior 2 supervisor callbacks also went unanswered. If the department is overwhelmed and can not hire individuals that are accountable, again, I shouldn't receive the penalty for that. The excuse I was given as to why it has taken so long on the XXXX  discharge is because I have multiple loans AND a consolidation. To me, that means someone is having to review and separate the loans SO if that's the case, why can't they review the XXXX and XXXX applications while my application is ALREADY under review? 

I called the Ombudsman line and was basically told that the Dept of Ed is never accountable, the issues that come through are logged, and its basically what it is. There is not a pathway to resolution and essentially I just have to wait on 3 years to pass before my other 2 loans are reviewed and discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: WA
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. 

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 a 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 2023-12-14
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Chime closed my account because they think that it violates their deposit account holder agreement. I have provided them with all the necessary documentation and verification that was requested. They said they were sending me out a check for my balance which is {$9400.00} and promised that I would have it within 30 days of my account being closed. I have yet to receive my check. Everytime I email them someone with a new name responds who is completely oblivious to what is going on. No one reads my emails and all my emails are responded to by copy and paste scripts that say the same thing. They tell me that my check will be sent out, they tell me that I'm not getting a refund, they tell me to verify my address so a check can be sent. It's unbelievable on how ridiculous they are. No body knows whats going on and the only people that do can not be reached directly. How convenient. My chime card number is XXXX XXXX XXXX XXXX  and phone number on account is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-04-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have four accounts with Chase Bank - two checking accounts and two savings accounts. My son 's name is on one of the checking accounts but the other three accounts are only in my name. 
On or about XX/XX/2023, approximately {$5000.00} was pending withdrawal from my checking account and approximately {$1000.00} was pending withdrawal from the checking account that has my name and my son 's name on it. Neither my son nor I made or authorized these withdrawals so I immediately notified Chase Bank and they told me that, because I caught these transactions while they were pending, they would likely be able to stop the withdrawals. They told me they would freeze my accounts. They did not stop these withdrawals and only froze one of my four accounts. 
The following day, on XX/XX/2023, a female entered a Chase bank branch in Texas and added her name to the four accounts. She used a fake I.D . and impersonated me and withdrew {$10000.00} cash from the teller. I do not know this person and I never authorized anyone else to be on my accounts. I live in Arizona. Over the last 20 days, this person has withdrawn approximately {$62000.00} from my four accounts while I have been unable to access any of my accounts. Chase unfroze my accounts at least three times which is how she has been able to continuously withdraw my entire life savings. Meanwhile, Chase is refusing to investigate until I can convince the police departments in Arizona and Texas to open an investigation and send Chase these documents. I have heard that a bank must investigate suspected fraud within 10 business days and must provide me access to the amount of the stolen funds if they determine that the withdrawals were fraudulent. 
It has been15 business days since I first notified Chase of the initial fraudulent withdrawals and since then, I have been unable to access any of my money, have only received a credit of {$200.00} from Chase, spent an extensive amount of time talking to Chase representatives in person and on the phone, plus police departments in Arizona ( where I live ) and Texas, plus creditors, and Chase continues to stall and will not provide me access to the amount stolen. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.

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 2020-12-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have nothing but problems with Santander Consumer USA Inc. Time And again, they continue to fail to properly manage the servicing of my vehicle loan, something that its not NEW as this company has been sued by the Attorney General 's of over 30+ states in the nation. It is obvious that they aren't doing there job correctly, they continue to XXXX at us who unknowingly were placed with this scrupulous company for our auto loan. Honestly had i been let aware that this company was going to be funding/servicing my loan with the history they have I would of said NO way JOSE. Anyways the company had the wrong information as far as my " bank '' so i cancelled the scheduled payment and manually enter a new payment, I did so to assure that they wouldn't try to request payment from XXXX XXXX XXXX  ( XXXX ) which was my old bank account.. so then I would be late, default etc.. so I wouldn't have to incur negative marks or additional fees i change the form with the correct account information. Now they failed to cancel the " scheduled '' payment which the system said was cancelled or else why even give me the option to cancel.. So a couple of days later I see my account is overdrawn, why? they submitted both payments to my bank.. Now I wasnt able to properly pay my rent and other bills as my account had been over drawn .. I called and their executive team tells me that their system didn't cancel my previous scheduled payment etc .. and although this created yet another unforeseen extremely difficult financial situation for me, I had to endure it and pretty much shut up.. I was told that their payment system would be re submitting the payment one more time, I suspected this would happen the next day etc.. NO it happened 11 days later on XX/XX/2020 i see that my bank account again is overdrawn and that they re submitted the payment.. why 11 days later? I have my insurance to pay and other payments that automatically de-ducted from my bank account .. No i dont know if my bank is going to pay my other bills or decline them leading to other penalties and fees again to be blamed on the mismanagement of Santander Consumer. Nothing I have nothing ... I can't even use my account or pay other bills even though my car payment was paid fully on time .. why do they continue to create so many problems on me? even their degusting APR is a joke, that I didn't even know i was paying as my Dealer wasn't upfront about this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
During the Covid pandemic, I had BECU. I'd signed up on XXXX, and had them take out expenses. I did not have the money in my account, and did not realize. They began charging me late fees for the transactions trying to be taken out, sometimes up to XXXX times. It was bizarre because I had money in my other account, and it was not moved over as they typically do. 

Overall, they took almost {$600.00} in late fees. A year later, they sent an email which said I was unable to sue them. At this time, it was illegal to take late fees due to the pandemic, and BECU said they would suspend and return late fees, but they did not for my account. This was XXXX and XXXX of 2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company Name XXXX XXXX XXXX XX/XX/XXXX certified mail. I mailed a letter to the creditor and they signed my certified mail and no response back from them. XX/XX/12/19 certified mail to follow up on XX/XX/XXXX dated mail I mailed a second letter and still heard nothing back from them. The amount is {$800.00}

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 explanation
Consumer complaint received 2023-04-14
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:
Information in my report concerning an account furnished by XXXX ( XXXX XXXX XXXX XXXX ) is inconsistent and inaccurate with credit reporting bureaus. I have disputed this item numerous times and have yet to receive verification of the debt nor documentation that I engaged in a contract with my signature for an account with this company.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-07-30
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Covid 19 has caused me financial hardship and prevented me from making payments to my Discover card account sufficient pay off the bill. Instead of working with me Discover Card has been grossly overcharging me interest so that the payments I do make do not even impact the principal amount owed on the card. I have been a Discover card member since 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted Transunion about the XXXX account and informed them that the account has been settled since XXXX XXXX, and they have yet to take it off my credit report, I filed several dispute and the results are always the account is still open with a balance, Transunion is refusing to take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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