BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 at approximately XXXX, my chime card which I get direct deposit on was turned off ( transactions ). I had just gotten off work usually the money is transferred to my main bank account. Due to getting stuck over at work I hadn't transferred it yet. I needed gas so i stopped at the gas station to get gas, I turned on my card and got the gas as I was pulling off from the gas station my account wouldn't let me log in. Then I received a message saying that my account password was changed. Approximately one min later when I was finally able to change my password and access my account all my money was was taken out of my account except {$33.00} dollars. A in house transfer " pay to friend '' had happen and someone hacked into my account and transferred 2 transfers from my account to theirs. One in the amount of {$1500.00} and one in the amount of {$69.00} to a XXXX XXXX Since it was so late I couldn't contact the bank but i went into the app and made a dispute on these two transactions and the next morning I called when they opened and spoke to a XXXX XXXX and filed my claim again. She sent me a form to fill out stating the charges. I sent it back to her in an email. She stated she received it and it would be 10 business days if I could receive a credit. I called back and spoke to a XXXX XXXX and he said that I would receive the money within 24 hours. 24 hour laters no money was in my account. Due to the XXXX being a holiday I called and no information could be given to me about my claim. I explained I was out of my whole check and I couldn't wait I had bills due. He said it was a high priority case and they are expediting the process. Yesterday I talked to a XXXX XXXX and she stated they would be in on Friday XXXXAfter I call in and talk to an XXXX who wouldn't give me his last name " its against policy '' and says the credit would be available XXXX if I was able to get it. NOBODY THERE KNOWS WHAT THEY ARE TALKING ABOUT AND HAVE GIVEN ME SO MANY DIFFERENT ANSWERS! I explained its my whole paycheck and I don't have money this is my only source of income. Someone please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX   with no successful resolution. Experian only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.

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 2020-05-08
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I have a store credit card with XXXX/XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX and XXXX/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX   are all reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: CA
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:
I generally pay my credit card balances in full every month by the due date and did so in this case. I use an electronic bill paying system through my credit union. This issue is from my XX/XX/XXXX payment on my Chase Visa credit card billing statement for the amount of {$3500.00}. Payment was due on XX/XX/XXXX. My credit union 's records show that they made the payment electronically on XX/XX/XXXX ( confirmation # XXXX - see attached ). Chase Visa did not post or credit the payment until XX/XX/XXXX and charged me a {$35.00} late fee plus interest of {$77.00} ( XX/XX/XXXX ) and {$38.00} ( XX/XX/XXXX ) for the last two billing cycles. 

I intially called Chase and they refused to reverse the charges stating that the payment was two days late. After I confirmed with my credit union that the payment was processed electronically on XX/XX/XXXX, before the due date, I called Chase again. They agreed to reverse the late fee and first month 's interest charge ( {$77.00} ) as a " courtesy '', but they would not remove the the additional {$38.00} interest charge on my XX/XX/XXXX billing. They admonished me to pay my bill earlier to account for weekend delays in their payment posting procedures. 

I reminded them that this was an electronic payment and should post immediately and that XX/XX/XXXX was a Thur. giving them two " business days '' to have processed the payment. They refused to refund the remaining {$38.00} interest charge or any subsequent interest charges resulting in their not posting my payment when received. 

From my perspective, I did everything correctly and in accordance with standard financial procedures. I followed exactly the same payment procedures that I have always done before without incident. They received full payment prior to the account due date. It is their error and/or inefficiency that caused the late fees and interest and they are requiring that I be financially responsible for their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on 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 non-monetary relief
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2016, {$25000.00} I went to the police and made a identity theft report,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account has been showing up on my credit report that does not belong to me. I have been sending out disputes for this one account and nothing has been happening. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account

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 2018-03-26
Company: Navient Solutions, LLC.
State: ME
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:
I had signed up for college at XXXX. Around XXXX. I realised that i didnt have the time or money to be able to proceed so within a couple of weeks i opted out and dropped my enrollment. I had no knowledge of any loan at that point due to the information not being there yet. i also had not started classes at all i wasnt fully enrolled at that point. Years since then ive had tax returns/paychecks garnished. ive called and tried to make them stop. They did. it remained on my credit report Until XX/XX/XXXX when they took my entire refund of {$1800.00}. Im not impressed at all i never had a loan to begin with. But navient seems to say otherwise. I would like my money back and this " loan removed from my credit. They have not notified me of any withholding until after my refund had been garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, and XXXX  and XXXX XXXX   XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down 15 points because of the remark they added. instead of it going up because i made a payment it went down and 15 points is a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: IN
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 disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX   XXXX. I was told by the salesmanager I could n't unwind vehicle. I had n't even drove vehicle off lot yet. The vehicle was in the service 's bays when I seen vehicle the 1st time. I did n't take deliver of vehicle right away. I got the vehicle finally a week later the vehicle stopped on me I had to pay for towing back to XXXX XXXX XXXX the service manager XXXX came out and said we are not checking your XXXX vehicle called me a XXXX XXXX a few times and was yelling at me for no reason. This happened over 17 different times and no one from XXXX XXXX XXXX did anything to him. I had to call for another tow truck to tow my vehicle home then the next day I contact Toyota customer care and explain to them that XXXX XXXX XXXX refused to check my vehicle and so they contact a different dealership and so I had to pay for towing again since XXXX XXXX XXXX never added my warranty to my vehicle. So I get my XXXX towed to XXXX XXXX in XXXX they said sorry you will need to have XXXX XXXX XXXX add warranty coverages to this vehicle before we can check the vehicle or I would have to pay out of pocket. So this all has been going on for the next few months I get the consumers affairs and the new car board to step in they declare the vehicle a lemon law car in XX/XX/XXXX and Toyota financial services and XXXX XXXX   XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed to settle this matter with them buying back my XXXX XXXX XXXX and paying for my towing bills and rent a cars and car insurance and giving back my full down payment and deleting the item from my credit report. Well they still have n't did nothing to fix this matter. I paid every payment through XXXX XXXX I was late two times on paying cause I had to pay for rent a cars. I went to everyone to get help with this matter XXXX XXXX XXXX general manager XXXX XXXX did nothing but threaten me also. XXXX XXXX has called me a drug dealer and said he was going to expose me If I did n't stop filling complaints against his dealership. So every time I filled more and more complaints then XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit and Toyota financial services did nothing. Still nothing the vehicle is a lemon  law car and Toyota financial services and XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed that they were going to pay me back and pick up vehicle and delete them from my credit report. I need some reinforcement here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX During these months I no longer resided at my old address and had no internet or phone access. I was temporarily homeless and did NOT receive my billing statements. According to the fair credit reporting act CAPITAL ONE should not have reported me as being late if the statements were sent to the wrong address or if I informed them within 60 days that it was never received which I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wellsfargo is saying that my account is closed and then they send me another card with a different account and tell its closed too when I was bout to deposit money into my account they close it without telling me in writing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to my credit report, this company reported negative information on XX/XX/XXXX 2 years after my last payment of {$650.00}. My residency ended with the company on XX/XX/XXXX. There were no judgements filed regarding this matter over the last 6 years, just negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.

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