BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/22 I called XXXX Customer Service ( a number I got from XXXX, which should be legitimate ) to report MULTIPLE attempts to have XXXX MONTHS of UNAUTHORIZED Subscription fees credited back to my Chime checking account. I had already called MANY times before CANCELLING these subscriptions, some never ordered. The XXXX Customer Service Representative ( which turned out to be FAKE and the number a SCAMMER/HACKER number ) had me verify my identity by sending a copy of my driver 's license and a Selfie in order to service my account. I didn't think it strange but found out later that gave him access to EVERYTHING of mine. He had me download XXXX apps ( XXXX XXXX XXXX  ), which I DID think was strange but I wanted my account credited as I had been trying for XXXX  MONTHS to get it credited. I found out later that XXXX is a Spyware app that allows ANY person to access ANY device and ALL the data on it and make it look as if ( with the person 's ID and selfie ) that person is making these transactions from their device and suffer the consequences and financial ruin associated with these transactions. This XXXX transferred {$250.00} to an XXXX XXXX account and STOLE my money! He asked about ALL my other accounts ... XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, etc and TRIED to get MORE money as well as get me to go into XXXX while I stayed on the phone with him and purchase MULTIPLE XXXX XXXX  cards for $ XXXX {$500.00}. That's when I stopped it and hung up! I told him I KNEW then it was a SCAM and ALL my money BETTER still be there. I went from the store ( XXXX ) to the gas pump because I was on empty. The pump stopped at {$2.00}. At that time gas was over $ XXXX gal so I wasn't able to even pump one gallon of gas. I live on a very small fixed income ( XXXX ) and had NOTHING to live on until the XXXX of XXXX, when my check was deposited into my XXXX XXXX card, which he NOW had my account/routing number to as well as ALL my other financial information. I reported this to XXXX, XXXX, XXXX, Chime and FTC. I have tried for all this time to get my money back from XXXX and/or Chime. I didn't get my XXXX CHECKS for 6 MONTHS after that. ALL my insurances and auto payments were CANCELLED, my license SUSPENDED, EVICTED and NOW living in my car, which I have had to pawn the title to about to be REPOSSESSED right before XXXX. I NEED HELP getting all this money back! My credit score was XXXX. Now it's XXXX. It's RUINED my credit and DESTROYED my life! I even went to the Social Security Office and got NO HELP! I have tried for the past 5 YEARS to rebuild my credit but these HACKERS/SCAMMERS have targeted me and have ALL my information. It's been sold on the dark web. What do I do? PLEASE send a copy of this to my email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
Experian, XXXX and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.

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 2021-02-22
Company: Kentucky Higher Education Assistance Authority
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. They have also manage to garnish my funds illegally!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I woke up to realize that Bank of America has deducted XXXX from my account I was in debt. After series of calls from department to department I was told to head to a branch to remove this account hold. After investigating we figured out why a hold was placed. A company kept trying to charge my account of the same amount with triggered the fraud alarm. We requested a new card. I was told the hold will be removed in an hour its been 7 hours the hold is there I m still on debt all my money was in there. I want my account back to its current state please I beg of 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 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There should be only be XXXX addresses on my report and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The correct spelling for my name is XXXX XXXX XXXX XXXX XXXX XXXX Anything spelled any other way is wrong

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 2021-03-31
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. On XXXX XXXX I filed application to refinance my current 30 year mortgage with Citibank 2. On XX/XX/2020 I received " welcome '' package with schedule of closing costs. 
3. On XX/XX/2020 I was charged {$720.00} ( application, appraisal and several other fees ). 
4. My property was promptly appraised and report rendered in early XX/XX/2020. 
5. I received commitment letter from Citibank on XXXX XXXX ( Attached ) 6. Since that time, on several occasions, I was told that my loan is ready to be closed " in the next few weeks ''. ( attaching emails from Citibank reps ) However, as of today, Citibank failed to close my mortgage and provide any reasonable explanation for such extensive delay. All these months I've been dutifully and promptly responding to Citi 's reps requests to provide my latest pay stub information in order to " keep my file updated ''. It is becoming more difficult to reach bank reps to obtain current status of my mortgage application and receive any reasonable date when my loan could be closed. My phone calls and emails are simply getting ignored. 

I firmly believe Citibank failed to made an appropriate effort to provide me with financial services they charged me more then 8 month ago and, thus, are involved in deceptive practices. They should have been forthcoming they do not have enough resources to process my application and I would look into other lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I paid my account thru the company 's website before it was due but 30 days later i got notice that they never recieved my payment. This happened 2 times thru their website and has given me 2 late pays that are damaging my credit and i'm unable to get the best interest rates. I have tried correcting the problem with the 3 credit bureaus but not had success. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten Experian to look at a settlement agreement and showed the the person XXXX XXXX XXXX claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling Experian that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in XXXX XXXX XXXX story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in XXXX XXXX XXXX claim and removed them on their own and have not allowed their info back on 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 2019-01-29
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to apply for a loan modification with Amerihomes for about a year now. I fell behind due to my debt that accumulated during my mothers death and sickness. I also had flooding in my basement. When I tried to make a payment the bank would not accept it because I was more than 3 months behind. I have applied on several occasions. I always provide all the documentation they request. Every time I call it is another document that they request. I submitted another loan modification package. I was told it was complete as of XX/XX/XXXX. It was with the Underwriter and it would take them 30 days to make a decision. Now today on XX/XX/XXXX I was told by Ms. XXXX agent ID XXXX that the XXXX has stopped reviewing my package AS OF XX/XX/XXXX because they need more information. They need proof my mother died and medical bills and they need me to send them a bill for all of my expenses itemized. They want bank statements outlining all of my expenses. This is unfair and ridiculous. They are going to keep making excuses until I loose my home. Every time they put an excuse to this loan modification. It seems like they want to foreclose on my house since it is in a nice area. We make more than enough money to pay for our mortgage between my son and my sister 's family. Our hardship was resolved and they are trying to steal our home! my family has been through enough now they want us to be homeless too!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit report and found three accounts from the same company. I have not received any correspondence of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I sent a letter to I C Systems requesting validation of a collection account that is being reported on my credit reports. As of today I have not received any response from I C Systems.,

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Back in XX/XX/2018 sent a certified mail with a notarized letter asking to delete accounts containing inaccuarte information from the same source but different in each of the 3 bureaus and speciappy from Tranunion, .. The results of the investigation was update information clearly wrong in my credit report afecting my ability to access fimacial stabilization.. Aparently Transunion will not take the effort of extra iinformation sent ro them to double check the big errors in my credit report.

I ask to open their files to match with my records which they never sent me anu proof or document to match isntead I sent them a letter a copies of 3 bureaus indicating the inaccurate of the account in dispute.. Transunion is in clear violation of the FCRA by posting information inaccurate afecting my 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 2021-08-20
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My wife and I traded in two vehicles at lease termination and leased a new XXXX XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX, FL. Incredibly, the salesperson neglected to pay off either of the two vehicles. Hyundai Motor Finance, the lender, started making robo calls about the payment was late. When we called, we were assured the payments were up to date. We discovered the problem when a payoff letter was sent that had late fees on the XXXX XXXX and two payments remaining. The dealership admitted their error and finally corrected the credit reporting issue on that vehicle. 
The second vehicle, a Hyundai XXXX, was paid off in XX/XX/2020. Then, the account was found to have late fees of {$190.00}. Hyundai Motor Finance reported us 30 and then 60 days late on a PAID OFF loan. I paid the late fees when notified in XX/XX/2020 ; however, at that point the dealership should have taken responsibility for not including all fees in the payoff and not passed that charge on to the customer. 
This is for a customer who has a nine year history with the dealership and finance company. Now, 18 months after the fact, we are refinancing and the two late payments are affecting our ability to get a low interest rate. Repeated attempts to get the dealership to provide a letter stating the facts and how the error was their fault have gone unanswered. I have the original documentation to prove this but the credit bureaus want the creditor to verify the account history.

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 2020-05-15
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Offices are closed due to covid 19. 
Noticed to hard inquirys by sync bank for HSN And one from Sync bank   Lowes

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 2019-01-29
Company: Accurate Background
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed a certified letter disputing information on my report and on XX/XX/XXXX I mailed a certified letter to find out the status of the re-investigation to simply get a copy of the original report. You mean all this time I've been waiting for erroneous information to be corrected and they failed to act. 

Investigation took more than 30 days ( not completed ) did not correct the errors Failed to timely investigate the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX am filing a dispute against National Credit Adjusters for stating that I allegedly owe this debt. I have found several laws that National Credit Adjusters have broken the laws that are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX XXXX am the consumer ( individual ) and National Credit Adjusters is the person ( corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX WORKS FOR XXXX WHO BOUGHT THE ACCOUNT FROM XXXX  XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, TRANS UNION AND XXXX. XXXX XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express has the wrong social security number listed on my American Express credit card account. XXXX isnt my correct msocial security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
loan XXXX Modification was approved We made 3 trial payments When permanent was done payments and interest rate too high There's nothing saying the lender can keep our trial payments since we do not agree with loan mod ( perm ) Lender has no rights to keep our funds Plus they qualified us under me and wife ; my name is only one on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have attempted to get an inaccurate bankruptcy removed from my credit report numerous times. I have filed multiple disputes and have requested multiple times method of verification in regards to them verifying bankruptcy. I have attached letter from bankruptcy court showing that they do not have a bankruptcy listed under my information nor do they provide information to credit reporting agencies. I have submitted a copy of email from XXXX advising that they do not verify information to third party agencies. I have finally attached report from XXXX XXXX advising that they have deleted the inaccurately listed bankruptcy on my report as they were not able to verify. This then begs the question of whether the credit reporting agency is actually investigating my many disputes. They have deleted information as well as numerous other inaccurate information that was appearing in my file that belong to another individual. Once again I request a method of verification of how the credit reporting agency is verifying this inaccurate information. I do not believe the generic response of " third party agency '' is appropriate as I have reached out to third party agency and the court house itself. I want inaccurate bankruptcy   removed from my credit report as soon as possible.

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 2018-04-08
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Started XX/XX/2016 {$290.00} is the amount this company has in collection. 
Ive reach out to the company back in forward and I dont know what else to do. 
Ive explained to them that they have this collection on my credit report and it is against the law. 
They do not want to tell me what was even preformed or why I never received any letter or anything else about how it was acquired. 
The debt is not mine.

Company response to consumer: Closed with explanation