BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Chime and funded it with a transfer from my hometown bank of {$1500.00} on XX/XX/XXXX. 
Immediately my account was locked, and I was unable to use my money from the account. 
Chime requested information from me verifying my identity and the origin of the {$1500.00}. 
I opted to close the account and requested my money be returned and received a conformation email from Chime on XX/XX/XXXX. 
Since that time, I have received multiple emails asking for conformation of my identity. I have submitted pictures of my driver 's license and passport as well as copies of my bank statement showing the transfer to Chime of the {$1500.00}. 
I have spoken to Chime 's customer services several times and I am told that the security department only communicates via email and have not resolved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was an eviction process that went through XXXX XXXX XXXX. We went to court XX/XX/2022. XXXX stated that if I were out by XX/XX/XXXX, I would not owe apartments anything. Showed up to court on XX/XX/XXXX stating I was gone, clerk told me case would be dismissed without giving me paperwork that stated this information. Received documentation XXXX weeks later stating that XXXX said I was not out by said date and time that was ruled by judge. The judgment was given to them without my knowledge. Went to court house to rectify situation with video footage showing I turned key in and also a contract showing my movers were done moving by agreed time. XXXX house supervisor stated the case would be sealed off showing there wouldn't be a judgement for either side because of falsified information coming from XXXX XXXX. Before this judgement was given, XXXX sold the debt to The National Credit System. They have not properly contacted me, not by mail or email stating what the fees are for only that they are working on behalf of XXXX, which was a very quick phone call. Ive sent XXXX certified letters to National credit system asking for original contract with my signature for validation of debt and no one has replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I pay all of my mortgage payments through my bank 's online bill pay service. All payments have gone through and have been deducted from my bank account. For some reason my mortgage company did not apply my XX/XX/2019 payment to my mortgage. I have spoken with numerous different people at the mortgage company ( XXXX XXXX ) and I have sent them the documents they have requested and they are still refusing to credit my account. I spoke to two different people recently who reviewed the information I sent and they both told me that it was adequate proof of payment and they would get it resolved within 3-5 business days. However, I finally got in touch with a supervisor and she said that they need additional documentation. I have spoken with my bank and they have sent me every proof of payment they can think of and I have forwarded all of it to my mortgage company but they are still refusing to credit my mortgage for my XX/XX/XXXX payment. Can you help please? 
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 2022-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a notice of debt validation ( as per 15 USC 1692g ) to PenFed Credit Union received by them XX/XX/2022. PenFed sent a response but did not fulfill the validation request and are threatening to post inaccurate and unverified information to the credit reporting agencies. They have repeatedly violated multiple consumer protection laws against my account and have collected unearned interest that I require to be returned to me along with restitution for violations committed.

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 2019-05-01
Company: EQUIFAX, INC.
State: AR
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:
Equifax XXXX  XXXX - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/XXXXXXXX cars. 
I wrote a 2nd request on XX/XX/2019 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANCO POPULAR DE PUERTO RICO
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage on a second home in  XXXX   XXXX  financed by  Banco Popular.   All of our origination documents were produced in both  XXXX  ( our language  )  and  XXXX . However, the servicing documents are generally sent to us in  XXXX . We have complained already and they agreed to send us only   XXXX   documents, but we are still receiving important important documents, such as a forced-placed insurance document from what we can tell, in  XXXX  only.   XXXX  On a related note, the forced-placed insurance document tells us nothing about the cost of the forced-placed insurance they are threatening to purchase for us, which is unfair.

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 2022-07-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with CHIME. I received an email from the CEO thanking me for becoming an account owner at chime. I received the debit card in the mail a week or so later. when I tried to activate it, I got error message saying my account was suspended. I've been emailing for months with no help. I have an account opened in the name I own, and can't access it. ive called multiple times in over weeks now and they keep saying that they will respond to my email.its been weeks. I know securities were created with my signature. I know my credits are being used without my authorization. I warned chime multiple times. now this is final notice. I will submit forms for IRS to get involved in 3 business days. the email associated with account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
XXXX XXXX was addded to my credit report and it wasnt be I never applied for XXXX. 

XX/XX/ That was fraud and I never authorized for my credit to be used

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX {$6000.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00}

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 2023-11-11
Company: Mercury Technologies, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made an online purchase from XXXX XXXX XXXX XXXX and transferred XXXXXXXX XXXX = XXXXXXXX XXXX  from XXXX XXXX app to XXXX Mercury account holder ( XXXXXXXX XXXX XXXX XXXX ) using international money transfer option on XX/XX/XXXX. XXXX confirmed that the money was received by the recipient bank on XX/XX/XXXX. Since then the money has not been cleared and deposited to recipient bank account. 

My online order will be cancelled if the recipient don't receive the money in time and it's been almost 4 weeks that I don't have any resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in dispute letters they say accounts are verified but can not/ will not give me the proper Method of verification as the law states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: C/C Financial
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: TN
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 was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
First, they charged me interest on $XXXX. Then charged me a late fee for this interest. then they wont let me pay the bill since I cut up the card. They wont let me out of a credit card that I 100% paid off. They are a nightmare. I called and told them I want to close this card and I have a new bank account. I gave them the new bank account and told her to use that one as the other is closed due to divorce. She assured me the payment is confirmed and it was from my new bank but she of course used the old one. Now I am paying interest on interest from a late fee and have nothing to show for it. not even a taco from XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
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:
This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXX first proved that the account was used to service a XXXX XXXX XXXX, a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or Experian, XXXX, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.

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 2017-11-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Management Services is refusing to participate in a Short Sale proceeding with no explanation as to why. 
They originally denied the offer and gave an amount. The amount was met and still they waiting months to deny the offer with NO further explanation. 
The contact at Rushmore ( XXXX XXXX ) stated that the investor has refused to go any further with negotiations and no additional contact has been made except more generic denial letters and offer to take the home in a deed in lieu or other programs. I do not trust that any of the programs they offer actually work for the consumer as they are not answering calls or giving any explanations once they give a flat out NO. 
I can not afford this mortgage anymore and have a buyer willing to negotiate and did increase to the demand for the amount Rushmore stated. Once they got the offer they refused to go any further and now my house may foreclose. Which appears to be their goal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan care Services purchased our VA loan from XXXX XXXX in XXXX 2017. We missed 4 months of payments when Loancare took over our loan because we did not realize they purchased our loan and XXXX did not transfer the payments. We had paid our LOAN for 16 years to XXXX via bank checking account auto debit. We were never missed/late payment. Loancare contacted us via XXXX to offer a us a refinance special offer to lower our interest rates. The fine print stated our LOAN would be extended by 40 YEARS. I assumed it was a scam and ignored Loancare contact. I received notice from the Veterans Administration stating our home was at risk of foreclosure. I immediately contacted Loancare to arrange payment plan of the past due amount. I was told by the customer service rep that my choice was to pay the full amount owed or I could choose the *special offer* to refinance at a lower rate but extend our LOAN for 40 years. I was told that I would lose my house if we did n't pay the full amount OR choose the *special re-finance '' offer. Thankfully we had the money to pay the full amount of the past due payment. Please investigate Loancare for fraud and unscrupulous business practices.

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 2022-12-12
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
XXXXXXXX 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 response to consumer: Closed with explanation