BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We are unable to get any resolution from Chime Bank. We are concerned about identity theft and that we have been unable to get our stimulus checks issued in XXXX of last year. The IRS sent a letter in XXXX saying our checks were deposited in an account at Chime bank in our names. We have never had any relationship with Chime. The IRS will not send us our stimulus checks until they get the original checks back. Chime will not respond. 

Time line We received a notice from the IRS ( XX/XX/2021 ) saying our stimulus checks had been deposited in an account at XXXXChime Bank in Oklahoma. We are retired and living in Florida. We have never had any banking accounts in the state of Oklahoma. We contacted the IRS and they said the bank would probably return the checks if there was not an account and then they would send us our stimulus checks. 
My husband contacted XXXX bank who referred him to Chime Bank. Chime bank said the account number did not match theirs and checks were probably returned. 

The IRS will not send us our stimulus checks until the checks sent to Chime are returned. 

Continued efforts to communicate with Chime were fruitless and over several months I corresponded with more than XXXX individuals at the XXXX. Specific questions and information were requested. No actual contact was made available. Each individual that responded did not respond again when a reply was sent. Those contacted included Twice when requested I sent the ID information ( ID, Socials, picture, etc ). I got no response from first and later XXXX. 

Our complaint is with Chime and our inability to speak to whoever is responsible for identity theft and can determine whether checks in our name came to them and what is the information on the account number supplied by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, after I pulled my credit report I found out some unknown accounts on it that I did not know where they came from, by that time I did not know what to do, after doing my own research ( about a year later ), on XXXX, I started to dispute the accounts with the Credit Bureaus, a few months went by, some of the accounts were gone from my report, unfortunately, sometime on XX/XX/XXXX, I received some court notices from plaintiffs attorney SELIP STYLIANOU LLP, attorneys that are trying to collect on an alleged account with XXXX BANK. That account is also XXXX of the accounts that were not mine and found on my report. Due to this issue, on XX/XX/XXXX, I went to file an Identity Theft Police Report as XXXX of the attorneys rep told me to do when I spoke on the phone with them, so they can dismiss the case. I have no other reason but to believe that I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A client of mine sent me an email with a link to payment made through an app called XXXX. In order to receive the funds, {$1500.00}, I had to enroll in their system as my bank, XXXX, was not a part of the system. After two hours of trying to use their app which is rated a one star for obvious reasons, I contacted support and the tech person said my phone signal was n't strong enough. Of course, that is nonsense. This service is a scam and I can not receive payment through them. I have the email from my client and a file number ( XXXX ) from XXXX regarding this issue. Please close them down. A search of the net will provide sufficient evidence of their malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I set up a mortgage payment to be made on XX/XX/21 through my personal banking bill pay. Suntrust did not deliver the funds in a timely manor as promised thus causing me to incur a late fee and negative credit reporting.

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 2021-12-21
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/21, I called Datamax and spoke with XXXX. I paid a total of {$950.00} to pay off XXXX collections with their company. I was advised by XXXX that when paid, they would submit a deletion request to XXXX and that the collections would be removed from my report within 30-45 days. 

On XX/XX/21, I called Datamax and again spoke with XXXX. She advised that she would resubmit the deletion requests and to allow ANOTHER 30 days for them to be removed. On XX/XX/21 I checked my reports and the collections are still present. Also, they are still reporting that a balance is due, which is misleading to any creditor that is viewing my reports. 

You will see on the attachments that the " Last Reported '' date for Datamax was on XX/XX/21. I feel that this is a bait and switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 Bull City responded to : complaint number XXXX Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
Bull City, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the medical dept. You will also, notice the subrogation letter, where this debt was paid as part of a XXXX XXXX settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and Bull City the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
THE FIFTH MONTH MY ACCOUNT IS INACCESIBLE!! 

TO : THE CONSUMER FINANCIAL PROTECTION BUREAU WHY HAVE NOT YOUR OFFICE INTERVENED??? 

THESE ARE CLEAR VIOLATORS, WHY ARE THEY NOT BEING ENFORCED?!! 

I WILL INFORM AS MANY LAW ENFORCEMENT AGENCIES POSSIBLE AT THE FEDERAL LEVEL TO INVESTIGATE THE BUREAU AND WHY THE ENFORCEMENT WING HAS NOT RECTIFIED THE PROBLEM BETWEEN I, THE CUSTOMER, AND THE CRIMINAL ACTIVITY OF CAPITAL ONE 360 CAPITAL ONE FINANCIAL. 

CAN I EMAIL A REPRESENTATIVE OF YOUR DIVISION OF LAW ENFORCEMENT DIRECT TO INQUIRE? 

I WILL NOTIFY THE POLICE CHIEF IN VIRGINIA, THEN THE FBI, THE JUSTICE DEPARTMENT - AGAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express keeps on sending statements negitiating a debt that was paid from 15 years ago. My tenant got sick of these phone calls that started again and sent a letter to stop harassing and how AE costs people their jobs as they report debt on the credit report. The minute the letter from a third party was sent not the actual owner they address a debt collected sent a letter. American Express abuses the consumers rights! and harasses them, I have not sent a letter a third party did telling them to stop contacting the household.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Genesis Lending
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Genesis? XXXX Had received my agreed payment of XXXX on XXXX XXXX rather than the due date XXXX XXXX, 12 days early then in return added a late payment fee on XX/XX/XXXX of XXXX. They admitted the mistake through two phone calls and agreed the late payment should have not been charged because the payment was received early. They have also had a XXXX payment lost in the mail for a XXXX payment. They mailed the payment back to me and marked me as 30 days late on my credit reports being they did not receive the payment back until XXXX though they mailed it back to me so therefore XXXX payment was not late. They charged me XXXX late payment charge and marked my credit reports as 30 days past due. I would like my money back and my credit reports corrected. There is a conflict because of their Internet spokeswoman is the daughter of the manager in the building I live in, maybe this is the problem because I am in the right. I agreed with them I was over the limit but not late with the payment. There is a difference with being over the limit and late, these are late charges. This company is a rip off!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021 I sent Transunion a letter about the ownership of the bankruptcy on my report requesting what method you used to retrieve such information. On XX/XX/2021 I sent a follow letter then on XX/XX/2021 I sent a rebuttal letter requesting it to be removed from my 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 2022-02-03
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.

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 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been getting phone calls by various locations several times a day back to back to back. I do n't answer random numbers so I blocked some and just let others ring for weeks. After about two months i decided to answer it and it was my Bank ( Bank Of America ) calling from an automated line and I was furious after finding out that it was an automated line blowing up my phone for months. This was a call to collect a debt. I was so confused what I was in debt for so I called the number they gave me. I 'm always so scared to fall behind on my credit card which is why I set up automatic payments to come straight out of my XXXX debit card to pay my BOA credit card. So I decided to call and after waiting on hold for 10 mins they had told me that my credit card is almost {$700.00} past due. How is this possible when my credit card limit is only {$500.00}. I should have only only had about a {$200.00} balance on this card. They never told me that those automatic payments expire after a year. They had all the wrong information in there system. They had the wrong address so I was not getting the statements to be warned I was missing payments. The lady I spoke with had told me I can have these late fees waived and I said yes absolutely, however i would have to pay the initial {$200.00} balance before waiving the fees. I paid the balance off and updated my info in the system and she said I would get my new statement in about a week. I finally got it today which was about three weeks later and it still says I owe {$350.00}. Futhermore they set up my automatic payments again to start paying for the late charges. The fees were never waived and I dont think it is very fair that I owe them this money when I received zero notification of the late fees and the fact that my automatic payments expired. Not to mention in the process of this they revoked this credit card, so I have no credit card anymore and they still expect me to pay these fees when Ive already paid what ive used on the card.

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 2018-12-31
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, Through the dates of XXXX and XXXX of XXXX we decided to sell our home in XXXX which we had previously bought through the same lender/broker, cherry creek mortgage ( XXXX XXXX ) also using same realtor ( XXXX XXXX ). 
We bought our house in XXXX for the first time using FHA Loan back in XXXX due to a forclosure back in XXXX. 
In XXXX we decided to sell that house bought in XXXX and buy a bigger one. 
We decided to go with the same company, cherry creek mortgage, due to them knowing our history and everything worked out well the first time. 
We sold our home and got " approved '' by our broker, Cherry creek mortgage and found a new home we wanted to move forward with. 
Paperwork was signed, inspections were done, fees where payed.

Then, 1 week before closing, Cherry Creek mortgage said that the deal was not able to happen since there was a forclosure from 7 years ago. 
Therefor we didnt qualify for the conventional Loan we had previously been " approved '' for. 
We had sold our house with them already and were waiting to close on the new one so we could leave the house to the new owner.

Then one week before closing XXXX told us that we couldn't buy the house we had already signed paperwork for and done inspections on because of the forclosure which they should've had known from before since we worked with them before and they knew our situation. 
We had to find a house to live in within a week ended up paying over {$20000.00} in rent and renting a home when we aimed to be owners not renters. All that money could've gone to our new home as the monthly mortgage payment. 
We ended losing money and time on a situation that could've been anticipated since we had previously worked with them and they had the information needed as well. 

XXXX XXXX from Cherry Creek mortgage made is lose our home and money. All of it could've been avoided. I do not even understand how we got to the end of the process if that was an issue from the beginning. It all seemed very confusing and not transparent at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.

Company response to consumer: Closed with explanation