BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Chime Financial Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 I was hospitalized and unconscious. XXXX XXXX I filed a complaint with Chime because {$410.00} was taken out of my account from my stimulus check. It was a payment of {$350.00} and {$60.00} to someone named XXXX XXXX I dont know this person. I have disputed these transactions on numerous occasions, because Chime will not refund my money back to me because they say in the records from the investigation Chime decided it was NO ERROR. I have the records from Chimes investigation and I highlighted the error and disputed the transactions again. Neither transaction was notified to my Chime app on my phone. Chime is sticking to the decision they made and will not refund my money that was not sent from my phone or my debit card. The only way I had access to my Chime account and app is by using my fingerprint on my phone or my physical debit card. I have disputed these transactions over 4 times since XXXX. ( I have all emails available. ) Now chime Has closed my account and Chime have not explained to me why they closed my account and why I didnt receive my funds back in my possession. I have contacted support @ chime plenty of times to get the answers I need. I have not used my Chime account in the past 30 days at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Hello my name XXXX XXXX I have hearing impairments and severe brain injuries that affect my everyday life. I called NMAC asking multiple times about getting out my maintenance plus contract.First lady told to drive to Nissan dealership to have my mileage statement signed when got to Nissan Dealership in XXXX XXXX Ca the general manager tells we dont sign documents turned me away.So the general manager assisted by calling NMAC asking what is supposed to do. I drove 40 miles to that dealership the rep on the had a heavy accent was not getting any where. I asked for supervisor call back to address the miscommunication never happened.Called on XX/XX/XXXX explaining situation again the rep tells I cant record the calls which it a violation of American Disability Act if you have certain conditions such as hearing impairments or other XXXX  XXXX helps with effective communication skills. I feel like Nissan discriminated against me because of medical conditions that would help effectively communicate the law went in affect XX/XX/XXXX according to the ADA under Effective communication. I am filling a Federal Complaint under ADA Civil rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX - signed up for pay over time ( SCAM ) Nothing was sent to us regarding the terms and conditions XX/XX/XXXX we got a bill for {$1800.00} I requested to speak to XXXX XXXX from day one to explain the pay over time feature.

Spoke to many representatives that gave our misleading information.

XX/XX/XXXX still no resolution, they prolonged the account to go past 60 days due.

They stopped all terms of communication and no resolution reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive reporting of 5 accounts and mistaken identity of wrong personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Winklevoss Exchange LLC
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened credit card account with Gemini in XXXX. I made one payment on schedule. After that they suspended my account and then sent an email that my account was reinstated and able to use again. This was false. I have the emails and correspondence. Then they put a charge off on my credit report. I could not go into use the website and I cant make minimum payments now. I want them to reverse the charge off on my credit report and I will pay the minimum payments and want the card open again. Their technology was terrible. I attach the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had a major breach of their security ( said 'security ' was wholly inadequate, seeing as a patch was issued three months before the breach ), which has apparently resulted in my personal credit information being stolen. Then, they waited six weeks to notify the public, and have not acted to adequately inform the public whose identities have been compromised. 
While I do n't have any fraudulent activity on my account yet, I have been unable to get through to the major credit agencies to " freeze '' my credit reporting and information from further unauthorized use. 
I 'm amazed that the US Government is continuing to allow these companies to use our Social Security numbers as an ID, and that we are not regulating the release of that information in a tighter fashion through a key controlled by the citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have an account with XXXX. PNC keeps unlinking my card to make payment withdrawals for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
www.coinbase.com coinbase ran an advertisement on the XXXX XXXX promising {$50.00} in XXXX for making an account around XX/XX/2020. There was no star or fine print but when you clicked on the ad and made and account you never got the money. Their customer service said I was not entitled to the money in the advertisement because I didn't verify my personal information even though the ad did not put stipulations on the money. After months of waiting and emailing them they never said how someone would get paid the {$50.00} just that they were not paying it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I received my stimulus check by direct deposit onto my PayPal account. PayPal them limited my account for " shared '' info. I had explained to them multiple times that the " linked '' accounts dont belong to me but they keep giving me excuses and wont release my funds for transfer or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I was qualified to obtain a mortgage through NACA. On XX/XX/2019 XXXX XXXX discriminated against my disability and cancelled my qualification, told the lawyers not to accept my executed contract and had me spend money I did not have. I emailed XXXX XXXX on XX/XX/XXXX to request an adverse action letter as NACA has been consistently pulling my credit as this was a credit based loan, and himself as well as XXXX XXXX emailed me back they do not need to send out an adverse action letter as to why I am now being denied a mortgage after I was already qualified. 

I believe this goes against the FCRA. As a consumer, if I apply for credit based loan and am denied, I am entitled by Federal Law to receive an adverse action letter. Since my credit was pulled multiple times by NACA, I am requesting for an adverse action letter to be sent to me. 

NACA is a predator and they're using unfair business practices. I was lured into the program under false pretenses and false advertising.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: FL
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:
Since XX/XX/2018, I have tried to get Equifax to correct information on my credit report. 

Inquiries - XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX had an inquiries on my report, which were fraudulent. 
They sent me letters certifying that they would send updates to each credit bureau. XXXX and XXXX removed the inquiries by XX/XX/2018 but as of today, Equifax did not comply. I called equifax, I disputed online and wrote letters. 

Accounts - XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are previously charged-off accounts that were paid. They persist in Equifax as such : 1- Status is reported as negative accounts not as Paid/settled accounts 2- though they appear under closed accounts category, none of them show closed date. Date closed appear blank in Equifax. 
Therefore, they are still counting against my score I wrote to and called the creditors and to Equifax to correct the issues. XXXX  and XXXX show correctly since XX/XX/2018. I am still struggling for Equifax to refkect the right information. I filed disputes online with Equifax, I faxed disputes to Equifax, spoke to multiple supervisors and representations at Equifax. Nothing. 

My score in XXXX and XXXX are XXXX. Equifax is XXXX. As a result, I was denied a much sought after HELOC loan. 

There should be consistent reporting across credit bureaus based on the information fed by creditors. The creditors have assured me that the issues is not on their side. They send the same info to all CRA and I should discuss with Equifax. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.

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 2021-03-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account opening was denied because of unfavorable debit history. Ally used check system, where they said i have a score of XXXX. However, when i obtained the score from check system, it was XXXX. There is no negative information on 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 2019-02-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for a PayPal line of credit on XX/XX/2019. Got a strage and generic error message that I was denied. No mention of providing me additional information specified by the FCRA. I called and the agent made it impossible to glean further information regarding the issue, and had no concern to answer my questions.

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 2020-07-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
address that are not mine : 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 accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury 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 2019-02-25
Company: CHECK INTO CASH INC.
State: AL
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:
I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XX/XX/XXXX.I am  being turned down for lines of credit do to all of these inquiries on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CBC Companies, Inc.
State: TX
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:
remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Both Citibank and XXXX  XXXX XXXX allowed unauthorized access to my accounts. I added the woman I thought was my wifeto ONLY my checking accounts at both banks, she was not n any savings or CDs. Citibank has her listed under her maiden name and XXXX under my last name, ( which she never changedto using except when she had a credit card revoked, then shed reapply under my last name ). This started 8 years before we were married, no less. Ive found she changed my address to hers 3x and opened credit lines each time and repeatedly was pulling my credit report. As far as the banks, both admitted they erred by allowing her access to all of my accounts, even business and client trust accounts. She withdrew thousands, sent thousands to her family in the XXXX and even stole my ssdi income before abandoning me. After she left, she continued to steal from my accounts and even closed new ones I opened, under direction of the XXXX manager, at a new PO Box that she had no knowledge of its existence. XXXX have assisted her thievery several times and now refuse to investigate themselves. In serious need of help She stole using online access to move money from accounts she was not allowed access to each respective checking account that she was allowed access. She also hacked my network through myXXXX XXXX XXXX app to obtainmy phones XXXX address ( results in a cloned phone, complete with passwords and everything. )

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 2018-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 contacted both XXXX and XXXX  regarding Capital One Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
RMP services keeps calling me from an auto dial with a recorded message asking me to call them. With fraud I told them stop calling me and to send me a bill though the mail. They state they will not send me anything through the mail and Im only allowed to call the number the voicemail provides. I have said calling me multiple times a day is harassing me and they dont care. Ive told them twice to stop calling and I have yet to be taken off the list for these robot auto calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: GA
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 spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I recently reported fraud with my checking account. I am waiting for the bank to credit my account. In the meantime, I have contacted all my lenders and credit card companies. All except Navient are willing to work with me. 

My other student loan company offered the option of deferring my loan. Navient just calls almost everyday. The phone calls also included robocalls. Today l received seven calls. I was at work and spoke to someone at the end of my work day. I explained the situation again. They have called me 32 times since XX/XX/XXXX. 

Here is a brief overview of dates and number of times Navient has called me per day : XXXX 2 calls XXXX 3 calls I explained the situation XXXX 3 calls I explained the situation XXXX 3 calls XXXX 1 call XXXX 1 call and I explained that I was still waiting for the fraud investigation to end and for the bank to credit my account. The Navient representative basically told me " That won't stop the phone calls. '' XXXX 4 calls XXXX 4 calls XXXX 2 calls XXXX 2 calls XXXX 1 call XXXX- 7 calls I received all the calls while I was at work and answered the last one at the end of my work day. The representative gave me the option to opt of of robocalls and texts only after I said I would contact the Federal Trade Commission. I explained that I am still waiting for the fraud investigation to finish and for the bank to credit my account. 

I feel that this is harassment and Navient needs to give borrowers options in this type of situation. It is already stressful enough.

Company response to consumer: Closed with explanation