BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Chime Financial Inc
State: GA
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 bank with Chime Bank and have a checking account and a credit building credit card with them. 

On XX/XX/2021 my account was hacked and my account information ( email and phone number ) was changed to an individual that was not me. I called Chime Bank to inform them of this. I sent multiple emails to get my information changed back to my own. They took over 24 hours to do so. Upon them taking their time to change my information back, 3 fraudulent transactions took place with my credit card, in the amount of {$500.00}. I called Chime bank the next day to let them know about the fraudulent transactions. They said I had to wait 2 business days in order to file the claim. 

Then on XX/XX/2021 I received notifications that my account information ( email and phone number ) has been changed again. The individual who was able to do this then transferred {$100.00} out of my bank account to another user. I called Chime Bank to let them know about the transactions and that my account information was changed again and that the transfers had occurred. They changed my account information back to my own and let me know that I had to wait till file the claim, once again. 

Then, on the same day, my account was accessed fraudulently 6 times again. The person responsible who change my account information as soon as I had it changed back. I reached out to Chime to ask how this would be possible, but they didn't give me any information other than to change my password ( which I had already done 5x ). 

I file a police report with XXXX police to let them know that this is happening. 

They negligently kept sending me the same card with the same card over and over, which none of the new cards I've received. This made it easier for someone to perform fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.

Company response to consumer: In progress
Consumer complaint received 2018-07-27
Company: FIRST HORIZON BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was allowed to cash eleven ( 11 ) Money Orders each for {$990.00} between XXXX XXXX XXXX, XXXX. All eleven have turned out fake, and now the bank is demanding full payment of the overdrafts on the checking and savings accounts used. Fees and fines are continuing to pile up on top of the overdraft charges. These money orders were part of a secret shopper scam I fell victim to, and were fake. The bank continued to cash these well beyond what funds were available in the accounts, so I assumed they were valid. Otherwise, they would require me to deposit them until they had cleared. The bank scanned them and kept cashing them. If the bank could not tell they were fake, how could I? Why did they not require me to deposit these until they had cleared? Other tellers I have talked to immediately knew this situation for a scam. Why do the tellers at one branch of the same institution receive different training than the others? On XX/XX/XXXX, I noticed a negative balance in my checking account. In tracking down the problem, the fake money orders were discovered. The accounts were frozen. Unfortunately, these were joint accounts with my mother. She is being punished as well. She has already lost her XXXX Social Security Deposit, and has been living in terror for over a month about losing her home equity loan. The original loan was taken out in XXXX, and she has never missed a payment. Her credit is ruined, and she could never get another home loan with payments she can afford on a fixed income. Between XX/XX/XXXX and XX/XX/XXXX I have tried to set up reasonable payment plans. I am actively looking for work, and I am confident I will soon be employed. I have 4 acres of land for sale, and it will sell-but not overnight. Nobody can tell us if my mother will become homeless by losing her loan. Nobody can set up a reasonable payment plan with me, until I can make larger payments. The only advice we get is wait on the recovery team to contact you, while we are getting continuous notices and letters demanding payment in full of outrageous overdraft amounts. When we can't pay in full, more fees and fines are tacked on. Meanwhile, no word from this recovery team. My mother is elderly, and living in fear each day is not good for her physical and mental health. She is convinced she will soon be homeless. I was victim of a scam, and my mother is paying a horrible price. Please work with me on reasonable payments until I can make larger payments. Most of all, PLEASE do not change my mothers home equity loan forcing her into homelessness. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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.

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 2018-04-21
Company: Debt Recovery Solutions, LLC
State: CO
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:
I received a notice that Debt Rec Sol for {$1300.00} opened on XX/XX/2018 and reported on XX/XX/2018. I have not opened any accounts for this amount and have no record of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Around XX/XX/XXXX I was unexpectedly locked out of my Coinbase account without warning or a reason given. I contacted customer support about the issue and they replied that they had a specialist working  on the issue. I waited patiently for the issue to be resolved, but I didnt hear anything from Coinbase. Almost 3 weeks I have been locked out. I contacted customer support since then close to 10 times, and each time they tell me a specialist is working on it. They asked me to take 2 surveys about my account. I did everything the have asked. Even customer service keeps saying that it shouldnt take this long, but there is nothing they can do. I have almost XXXX worth of coins in the account and its all locked up. Meanwhile my bills are piling up. I have read that this has happened to many other people being locked out of their accounts for no apparent reason for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Atlantic Recovery Solutions LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called my wife and sent an email to me. They called me and didnt say what company they were with or say they were collecting a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called Paypal and XXXX and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: RLB Texas Auto Center LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought a car on XX/XX/2019 just over 2 weeks ago with {$1000.00} down and {$500.00} deferred. They did not disclose that there was a GPS tracking/disabling device on the vehicle. They started out telling to just get my insurance as soon as possible then the very first Tuesday or Wednesday they already disabled the vehicle saying that I was supposed to have my insurance within 24 hours, if I would have known it was 24 hours I would not have tried to wait until payday on the following Friday, I would have done my insurance immediately. Then come Saturday the XX/XX/XXXX they have disabled my car again because I paid {$300.00} of the {$500.00} deferred amount that was due that day. Then I lost a contact that couldnt be replaced over the weekend because ai did not even have access to my prescription over the weekend. I did not order glasses at the time because XXXX XXXX could not connect with my government XXXX/XXXX XXXX and were trying to charge me too much money. Anyway when I paid the {$300.00} one of the sales people at Texas Auto Center assisted me in making the {$300.00} payment in their payment ATM and I said I would pay the rest as soon as I made it with XXXX and XXXX, he did not argue or say anything at the time. Then Monday morning at the optometrist they start harassing phone calls and disabled the vehicle. The period of time the {$200.00} was late and the disabling of my vehicle is absolutely ridiculous and the harassing phone calls starting the very next business day is very extreme! Texas Auto Center in XXXX XXXX, TX needs to extend that period of time before they start harassing their customers and disabling their vehicle to allow for a more fair period of time and give honest customers a chance to make things right. They constantly lie and give their customers the run around. I have been reading their customer complaints and reviews on the XXXX XXXX XXXX website and have since come to the conclusion that their business practices are highly shady and their consumers need protection from these sharks that most of them do not know where to solicit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ok i was promised a settlement of XXXX to XXXX to settle my debt of XXXX their fees included now they settled one card with their fee it comes out to XXXX dollars that's no where near what They promised me/imagine when they settle the other 2 cards how much will it be and at the end of the program id probably end up paying XXXX dollars when i caught on to the scam after 9 months i asked for a refund because i was mislead they kept XXXX and now i have XXXX left in their account and they want to keep it as well i no longer want to continue the program im not in a contract and would like a refund they denied it so now im XXXX down i want a full refund Nd i want to warn everyone about freedom debt relief they tell you one thing and on the disclosure its something else i work hard for my money and they took advantage of someone looking for a way out of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: AMERICAN EXPRESS COMPANY
State: PA
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 reviewed my personal credit report ( s ) online in XX/XX/XXXX and saw where AMEX reported to credit bureaus XXXX and XXXX that I owed them {$13000.00}. I then spoke to AMEX on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.

Since speaking with AMEX, I continued to monitor my credit report ( s ) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to {$14000.00}. I requested validation, that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.

AMEX responded on XX/XX/XXXX where they listed the account identifier ( account number ) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.

After reviewing my credit report ( s ) for XX/XX/XXXX, I noticed a comment under the AMEX entry that stated, Account closed at consumer 's request and dispute investigation completed ; consumer disagrees. I wrote to AMEX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature.

I received no response to date, and they have since reported that I owe {$14000.00}. The Payment History for this account starts at the month of XX/XX/XXXX and is marked C for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was {$26000.00}. Prior to XX/XX/XXXX, AMEX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX  and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
the disputed amount is {$1000.00} charged to my account from XXXX XXXX XXXX XXXX XXXX, NY and the date of the charge is XX/XX/2019. I live in Florida and my daughter lives in a XXXX XXXX in New York. On previous occasions I had to use XXXX  to repair my daughter 's power XXXX. On each occasion, XXXX would send and invoice detailing the repairs, a list of parts needed. They would send a document via email for me to sign authorizing repairs, and a document requiring me to PREPAY for the parts in advance before they would send out a serviceman to do the repairs. On two occasions I signed the document via e mail gave my credit card to PREPAY for the parts and authorized repairs. On this date. I refused to sign or PREPAY for any parts and did not authorize any repairs. I instructed the care facility that XXXX wasnt allowed to do any more repairs and I proceeded to hire someone else to do the repairs. XXXX  performed no services no parts but billed my credit card. I immediately informed citibank who reversed the charges pending investigation. Twice Citibank reversed the charges, put them back on my bill and closed the investigation ... ..without ever talking to me. Each time I renewed the complaint and citi reopened it. Finally I got correspondence from Citibank where XXXX submitted an invoice I had allready paid to citicard as proof of sale. The numbers on invoice didnt even match the the new invoice nor did the dates and the invoice was paid to citicard previosly. I submitted to citibank the unsigned email asking for permission to sign card everything Ignored by citibank I even spoke to a customer service rep that told me that once I give XXXX  my credit card number they, XXXX can use it whenever. I could not believe she said that so I asked for her supervisor who gave me this contact to make a complaint. XXXX XXXX is sneaky ... using previous information for a credit card to put charges on my card without authorization..and citicard allows them to do it. I recieved no services or parts and did not authorize this charge ... Citi card is totally ignoring all my documentation and all I get is if you dont pay it will be reported to credit agency and ruin your credit ... .and XXXX  has submitted no current invoices or any signed or verbal authorization.. I am frustrated

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 2023-07-24
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 NUMEROUS 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 accounts 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

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 2021-09-22
Company: National Credit Systems,Inc.
State: IL
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:
National credit systems is a third party collection agency, that have information illegally of mine, any one on can obtain information of a person Im not obligated in any way or form Show proof that Im obligated in writing that I bind to pay you National credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i having been pre paying my flood insurance for many years and the lender is forcing me to escrow this account that has been paid in full. i contacted them going back to XX/XX/2020 and keep getting the run around but they continue to add/force additional escrow to already paid insurance. the amount as of this date is {$540.00} and each month additonal money is added to the mortgage.

Company response to consumer: Closed with explanation