BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 2023-04-18
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I sent an ACH payment of {$830.00}. While the transaction was pending, Chase decided to close my account and canceled the ACH payment of {$830.00}. They said because the account was closed, they would NOT honor the transaction and would send me a check for that amount since it was deducted from my account. 
I have called Chase more than 30 times, and they put me on hold every time and hung up after 30 -40 min on HOLD. They sent the check to my old address, which was sent back to them. They asked me to go to the branch and update my new address so they could send the check again. I did update my address, and they didn't send me the check until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theyve already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2018-12-19
Company: Mr. Cooper Group Inc.
State: NV
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:
Mr. Cooper is wrongful reporting information on my credit report and has done nothing to address this error. After multi calls, emails and complaints they continue to ignore their error and do nothing. They have even admitted to receiving the payoff on the XXXX of XXXX yet they still reported me 30 days late that month. 

Their information is incorrect and that is why I am making my complaint. I can share my credit report with whom ever would need to review it to verify my credit history and character. A large company like this should treat their customers and Veterans better. Even if their information was correct, which it isn't why was no attempt made to contact me during those 30 days? After perfect mortgage history with them I just all of a sudden missed a payment. Further more they admitted to receiving the pay off XX/XX/XXXX yet they reported me 30 days late in XXXX of that month, how is that possible? This company is doing nothing to fix their issues and are further causing undo stress and hardship on a XXXX veterans family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: OH
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:
Discovered today that my experian account has been hacked and the email address was changed, attempted to contact them to resolve and could not get a human and any options to report this issue or get it fixed. My XXXX is always frozen and lack of access to this account could impact my ability to access credit.

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 2023-10-05
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was the victim of identity theft. The hackers transferred my cell phone number to themselves ( SIM swap ).

The hackers opened a Chime account that I discover by a USPS mail acknowledgment. 

I called Chime and their customer service agents had me go through a process I could not complete so they would not cancel the account. The agent was so bad and poorly trained that it was clear he did not understand what I was trying to do. They were reading from a script that made no sense and did not allow me to proceed. 

I finally sent an email to XXXX plus contacted the Chime XXXX account. Eventually the issue was resolved and the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 a states I have a right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is one of several times I've discovered that my credit report had inaccurate information. The credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paypal, for sometime now, does not have the correct protocols and safeguards in place to protect those that subscribe to their service. There have been numerous times where individuals from overseas and elsewhere have gotten access to my accounts ( accounts are under : XXXX and XXXX ) and made purchases, charges, debt requests and the like. Paypal has yet to address these ongoing issues and it is unsafe to use. Please address asap. 

Charges from XXXX for an individual in North Carolina who used my name, charged {$37.00} to my card on file. Paypal did not want refund said monies, but they individually they did after I, somewhat, fought with them A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$500.00} ( see attached ) XXXX XXXX charged {$150.00}, an unauthorized charge, Paypal refunded surprisingly A XXXX XXXX, of whom I don't know, requested {$540.00} ( see attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: NV
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 told experian multiple times to close my account with XXXX XXXX XXXX  on my credit report as I am in a litigation/lawsuit with the company due to wrongful doing done within their practice. XXXX and XXXX has done due diligence by removing and closing my account with XXXX XXXX XXXX. So please help fix this and notify Experian to update it for me to better our stress on this situation. Thank you.

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 2020-07-23
Company: AES/PHEAA
State: UT
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 had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an AES representative, the debit card did not process correctly due to possible transposed digits It was listed in the AES system as, Per Debit Split Card Not in Network. 
In turn, per AES 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. AES never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that AES still remains to rely so heavily on their AES website inbox and/or U.S. mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the AES representative being a long-time borrower XXXX XX/XX/XXXX XXXX that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that AES reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to American Education Services XX/XX/XXXX for your review. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a Citigold account and funded it with {$250000.00} USD. I was incredibly unhappy with the product and offering so on XX/XX/2020 I setup a wire to get the money out of my account and back to the bank where it came from. When this wire was setup, Citi proceeded to wrongfully close my existing Checking account without my permission or request ; thus, nullifying my {$250000.00} USD wire transfer. I have been told, this is because it left Citi " no account to take the money from. '' Effectively, my wire never left Citi, and now my Citi account was closed so the {$250000.00} USD was not returned to my Citi account. This left my {$250000.00} USD " stuck in the wire system '' with nowhere to go. 

I called first thing XX/XX/2020 and someone was able to re-open my wrongfully closed account and said my {$250000.00} wire return to this account by the end of the business day. It did not, and it is now XX/XX/2020 and my money is nowhere to be found. 

I have called Citi bank every single day since XX/XX/2020 to try and get my money back. Today is XX/XX/2020. Every single day, and every single call, I am told a slight variation of the same " hiccup in the system, '' story. I have been hung up on multiple times. I am constantly transferred from one department to the next, and when I have asked to be escalated I am place on long holds and eventually the call is ended by Citi. I have never spoken to an escalated party because no one has allowed me to. My money has not been delivered to the wire destination and it has not been returned to my wrongfully closed, now re-opened, Citi checking 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 2020-07-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When the CARES Act came to fruition I went on my mortage company 's website ( Citizens One ) to inquire about the deferral program everyone was talking about to see if it was legit or not. I used the companies secure messaging service to do so. ( Im sure copies of this correspondence are available and recorded. ) All I did was inquire about the program, when they replied and told me it was a forbearance, I replied, " No thank you '' and never inquired again. I received a forbearance packet in the mail which I shredded and did not respond to. When I tried to refinance my mortgage I was told that my mortgage was in forbearance and was not eligible. I immediately contacted the mortgage company ( Citizens One ) via their secure messaging service and informed them that I had not requested to be placed into forbearance and they needed to remove me immediately. I received a call from a lady named " XXXX '' in the office of the Chairman from Citizens One, and I explained all of this to her. I told her that had negatively impacted my credit and caused me to lose the opportunity to refinance. I told her I wanted a letter stating that I was mistakenly placed into this program and that I had made all payments during the period, that I could present to the company I was attempting to refinance with. SHe said she would have to call me back. She did in fact call me back, stating that I was now out of the program, as the 90 days had passed, ( So it appears that I voluntarily opted into this program and it simply ran its course ) but said that she could not send a letter. I want a letter from Citizens One stating that I was mistakenly placed into this program by no choice of my own, and that all payments were in fact made during this period. To date I still have not received this letter. 
Citizens One, Loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency Hunter Warfield , Inc.XXXX XXXX XXXX XXXX. XXXX, FL XXXX, Phone : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently XXXX. Please HELP! 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2023-05-23
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A man called me impersonating a Wells Fargo representative from the XXXX department and stated that in order for me to stop further fraud charges that Id just previously reported he needed to help me stop a XXXX charge and he sent a code to my phone and asked me to verify the code then unfortunately from there he was able to XXXX XXXX out of my account and transfer it to fake account under my name to a bank in XXXX. The person was calling from a number that was appearing to be from a real wells fargo branch so I believed him

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