BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Some 3rd party company names XXXX XXXX XXXX XXXX XXXX XXXX WORKING FOR SCAMMERS XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX  balance collection as this matter has been already resolved with the original scam creditor. XXXX XXXX XXXX refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. 
THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). 

I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After 3.5 years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. 

Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on TransUnion and XXXX  is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).

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 2017-08-01
Company: Navient Solutions, LLC.
State: KS
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 was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from Navient student loan company and I ca n't understand why when I was in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Friday XX/XX/XXXX, my payroll department issued me a paper check rather than depositing it into my checking account. I did not know this until Saturday, XX/XX/XXXX. At this point, I had overdrawn my account. I called the bank. I was assured that, as they have an overdraft rewind program, I would be fine as long as a deposit was made before XXXX XXXX the following business day. That is today, XX/XX/XXXX. 

I made a deposit Sunday morning via ATM to cover the overdraft and a transaction that was outstanding by had not posted. 

In the meantime, Ive been assessed {$70.00} in overdraft fee. Theyve posted the transaction that wasnt showing as of yesterday on FRIDAY. None of these transactions posted before the close of business on Friday. And now Im holding my breath to see how many Ill be assessed. 

As I get paid weekly and am a single mother, this could very well translate into not being able to afford groceries this coming week. 

I have called Wells Fargo. I have emailed. The best they can do is {$8.00} and some change. I have requested a supervisor. Ive requested his supervisor. Ive currentl been holding for 30 minutes on what was a 3 minute wait.

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 2019-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2019 XXXX, XXXX, Experian all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX   XXXXXXXX with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: GA
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:
In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month Equifax XXXX   and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2019 XXXX, Transunion, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: STATE EMPLOYEES CREDIT UNION
State: GA
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:
I have a loan with STATE EMPLOYEES C U. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and STATE EMPLOYEES C U with no successful resolution. XXXX  was thw only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, Other then myself numerous family members have been receiving calls from  XXXX XXXX XXXX  real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XX/XX/2017 I rented a car in XX/XX/XXXX, XX/XX/XXXX.

When I went to charge gas, they charged with a different fuel ( diesel instead of regular gas ). It was in XX/XX/XXXX, there was a language barrier.

The car stop working a few miles after I left the gas station in the middle of a freeway, it was night time.

The police towed me off the freeway, the car rental took the car in a truck, and my family and I were left in the middle of who knows where in a gas station in the south of XX/XX/XXXX. I called the credit card, they said they will send help, but a truck came took the car and say bye. We took a taxi to a hotel and the next morning as I needed to return to car that day just after the inconvenience, as they already had the car we continue with our vacation trip. They charge me XX/XX/XXXXFrancs {$1200.00} extra in the car rental. When I submitted a claim to my credit card, not until a year later they told me that was not covered, only body work. Is that true? If the car stop working for charging the wrong fuel and left me in the middle of nowhere, am I on my own? To note is that it wasn't intentional, I just ask to fill the tank and I was charge the wrong fuel. I di n't know this until the car rental told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Loans with Navient and XXXX  reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with PRIMARY RESIDENTIAL MORTGA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PRIMARY RESIDENTIAL MORTGA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to Transunion XX/XX/18 proving I tried to dispute the account Transunion received and signed for the letter XX/XX/18. TransUnion did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX  XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

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 2021-06-25
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received several suspicious msgs on my phone supposedly from " Chime '' so I took screen shots of said msgs and sent to customer service @ Chime. They immediately locked my account. After two day of calling and calling finally spoke to a supervisor ( which his name and notes are on my account ) " XXXX '' employee number XXXX conformed they had in fact received my email containing front and back photos of my government issued driver 's license, social security card and a utility bill in my name with corresponding address wwhich was at their request. No one @ Chime will explain why they will not " unfreeze '' my account. They just keep saying your account looks fine and should be unlocked within 24-48 hrs, since the XXXX. After much leg work on my end finally got deposits stopped to the Chime card but two deposits were before I could get all stopped so there's even more on my card now. XXXX XXXX XXXX Chime XXXX has basically stolen my money. PLEASE SOMEONE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was initially issued a credit card by mistake because for some reason they approved me for a business credit card ( I was not aware of that ). Upon receiving a card in a mail I saw on it it was stating " Spark for Business '' I went to a local branch and inquired If they made a mistake, branch manager told me " just use it ''. In XXXX of XXXX I was contacted by the bank they admitted they made a mistake however stated that I'm fully liable for a remaining balance as well as APR, since then I was really mad with them because THEY MADE A MISTAKE INITIALLY and I have to pay a price in APR. I went through struggles in my life since then, contacting the bank asking them to please give me a brake in  payments they never did moreover they did tell me if I fail a payment they will report to a credit bureau and my credit will get worse. After many complaints within their bank I was contacted by their executive team from XXXX ( XXXX ) XXXX a person 's name is XXXX Employee ID XXXX contacted on XX/XX/XXXX XXXX in the morning. 
XXXX stated : " You were not liable for this account payments since its closure ( XX/XX/XXXX ) however you still have a balance and once account is closed we don't report on it to a credit bureau '' Thus I believe Capital One Bank was extorting money from me for 1,5 years ; I've contacted OCC group however not satisfied with an outcome, these people were threatening me with my credit for such a long time and I never failed a payment, OCC made them to waive a remaining balance and remove it from my credit at all, I believe it is totally unfair to me after made so many payments on time and being APRed at 24,99 % for such a long period of time, I demand justice and all the money paid them back NOW! or otherwise I will take them to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: MS
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 contacted Experian and told them that this is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Please delete this FRAUD information.

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 2019-09-04
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received a letter dated XX/XX/XXXX from citicard that they have closed my account because my XXXX   membership has not been renewed. Actually it expires only on XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-04
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted XXXX XXXX or XXXX XXXX company in XX/XX/2019 about the overcharge for ambulance charges higher than industry rates for a ( 4 ) miles transport to hospital emergency room. Contacted XXXX to discuss what my medical insurance company stated was the agreed plan discount amount set between XXXX XXXX XXXX and XXXX XXXX. I paid my copay cost that my insurance company said I was obligated to pay for the ambulance charges and my insurance company paid their portion of the charges due after deducting the plan discount amount calculated by XXXX XXXX XXXX. I contact XXXX XXXX or XXXX XXXX after contacting my medical health company XXXX XXXX XXXX and informed them that XXXX XXXX XXXX stated there is a plan discount adjusted for the ambulance services that health care provider determined reasonable for the service given by the ambulance company. Then I get a collection notice for the overcharges that was unreasonable as stated by XXXX XXXX XXXX, my health care provider. The ambulance company said their ambulance charges were reasonable and disagreed with XXXX XXXX XXXX calculation of the discount to their charges. Total paid by me and my health provider was {$790.00} and the ambulance company wanted {$2300.00} for their services disregarding the plan discount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
let me start off by telling you this is the 3rd card issued to me since i had opened it back in XX/XX/2014. there has been numerous times of fraudulent activity on this card. this time i reported as usual in which they credited me the amount and of course they will dispute it with the merchants. after they credited me the amount the merchant also credited me the amount in which the card co took back their credit, and now that the card was paid off in full, i see the fraudulent amount now back on my card but billed to me to pay.. i have call this card to get an explanation and they told me because i was credited twice and the card now paid off they were looking for that amount to be paid back to them, but i received a letter stating they were aware of the merchant crediting me and they were reversing their credit so the merchants credit would be applied. that was back in XXXX my card was paid off in XXXX. if they reversed their credit to honor the merchants isn't that a wash, they got their money back!!

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 2021-06-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft 09 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: SoFi Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SoFi.com advertises mortgages : https : //www.sofi.comXXXX They do not offer this product, even though this page claims they do and describes the product, and invites the user to " find my rate '', which " takes two minutes ''. Clicking leads to a form to create an account, then a series of detailed forms collecting personal information, work history, etc. After that, the website prints an error message that they don't offer mortgages. After this, they send an email with the subject " First, get pre-qualified in 2 minutes. For real. '' repeating the marketing claims from the web page and specifically saying they have " Dedicated mortgage loanofficers '' who will walk you through the process " to get prequalified and take the next big step toward a loan youlllove '' I used the " Contact the CEO '' link that's at the top of every page when logged in. ( It did not go to the CEO, it went to customer service. ) They eventually emailed to say " In an effort to provide the best possible experience for our members, we've made the decision to not originate purchase transactions at this time. ''

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