BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my neighbor stole my phone out of my vehicle while she was shopping with me! I thought I had left my phone in a store somewhere. That same day I had received my tax refund and immediately transferred it to my savings account. On XX/XX/2023 I was sent a new phone and immediately logged into my Chime account where I discovered my money had been drained from my account via XXXX XXXX. So my neighbor stole my phone, logged into my Chime account and slowly transfered all my tax refund check to her husband 's XXXX XXXX. She created a new XXXX XXXX and was able to connect my chime account to it. Her husband had built a driveway for me so I had sent him money in the past so that's how I knew who had done it! I immediately went and filed a police report and there is an active investigation. I submitted the police report and some other paperwork to chime and within 7 days they denied my dispute and refuse to give my almost {$600.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are XXXX, XXXX and TransUnion!

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 2023-04-03
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Identity thieves have destroyed my life as well as my children lifes. Due to this on going issue I cant rent apartments, get credit cards, or start other accounts in my name. Unfortunately i was not able to find out about the theft until I reviewed my credit report or a credit card statement and notice accounts I didnt open, charges you didnt make, or until youre contacted by a debt collector.

I am requesting for the Debt Pro collect to be removed immediately, as the agent insured me it would be removed in 4days.

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 2020-07-13
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Bread Financial Holdings, Inc.
State: NJ
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:
UNKNOWN INQUIRE ON XXXX  AND XXXX XXXX DATE XX/XX/2018 NAME. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: CITIBANK, N.A.
State: CA
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:
My family was devastated by the California Wildfires, when I called my CC company citi back to ask to see if there are benefits or waivers I can take advantage of they said NO. Every other card that I have either waived my payment or late fee as a result. Citi Bank was the only ones who said they will not help. I live in XXXX XXXX and the Fires were in XXXX which is only less than 5 miles. 

I would like to file this complaint as to see why Citi Bank is denying emergency benefits to minorities like myself. How many others have fallen victum with XXXX. I will not be doing business with this bank anymore do to this outrageous blatant racism.

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 2023-04-03
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a revvi card they charged {$89.00} activation fee and told me I would have my card within 14 days it had been a month I hadn't got my card so I called him and told him I was taking my {$89.00} back till I got my card and when I got my card I would send them the money back I got my card a week later I sent them the money back 7 days later they close my account after they already had the money back I used the card so when I saw they close it I went on there and I paid exactly what I used I paid the interest charge then they commence to telling me I had to pay the XXXX XXXX yearly fee after they close my account and charged me a late fee and started putting interest back on the card again I have a picture of it where I got it down to XXXX just the XXXX and the XXXX but now it just keeps going up and I refuse to pay the XXXX because I called them and told them what I was doing and they canceled me even though they had the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day late payment noted on my credit reports for XX/XX/XXXX. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked Equifax, XXXX and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance says I missed XXXX, XXXX, and XXXX 's payments which I made. I have proof that they deducted the payments from the account. They started an XXXX XXXX notice against me immediately afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: VA
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 went online to view my credit report on MyEquifax.com. There is a soft inquiry from XXXX XXXX that I do not recognize. I do not have any medical bills and I pay my medical bill in cash or credit when I go to the doctor or critical care. Equifax has no information on the company and when I tried to contact Equifax via phone, there is no way to get a live customer service agent. They menu system doesn't have an option and I spent XXXX minutes going through all the menus. I next tried to contact Equifax through their Contact Us link. It has forms to fill out but there are no forms to get information on an Inquiry -- only to dispute incorrect information. On the other soft inquiries, it has the actual company that made the Soft Inquiry and they were all for account review. The inquiry marked XXXX XXXX is for account review but there is no company listed and Equifax does not provide the information on who made the Inquiry. I do not have a credit account with any medical collection company. My bills are all paid when services rendered. I do not give medical providers my SSN so the company that made this illegal inquiry has my PII including SSN without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2021-01-26
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. Please help me with this collection as it is hindering my credit score. 

I am providing you permission on my behalf to have this frivolous debt deleted immediately! 

The creditor has not been able to provide proof of my signature or contract. 

PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Chime Financial Inc
State: NY
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:
This is in regards to Chime bank. 

I was going through my statements for tax purposes and saw a bunch of unauthorized and fraudulent ACH Debits on my account from a company I never authorized or even recognized.

Im appalled that I never received notification from chime as this is obvious fraudulent activity based on my spending pattern and Im only finding out about it now. I tried even seeing if there was any email regarding these debits, nothing. 

I tried reaching out to support with XXXX XXXX XXXX and XXXX XXXX  and when I speak to chat or call in, I just get the same generic answer and cant ever speak to a manager or executive regarding this. Ive already filed a with the FDIC and XXXX 

I even reached out to support on their XXXX page, and they IMMEDIATELY blocked me. Something is fishy on their end. Please help me get the funds that were stolen from me returned

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: JPMORGAN CHASE & CO.
State: NJ
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:
THIS INQUIRE IS SHOWING ON ALL CREDIT BUREAUS SUCH XXXX, XXXX, AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: LA
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:
On my portfolio recovery on all three credit reports are reporting different last activity dates I disputed all reports and experian XXXX  and Equifax told me it was verified how can it be verified if the same account has different reports they did not verify reports XXXX  Last activity date XXXX XXXX XXXX. 
Last activity date XXXX XXXX Equifax Last activity date XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IL
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 have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account was closed by PNC bank without my consent. After closure they never sent me a check of my remaining fund in the account and won't let me access the fund in the branch. I contacted XXXX XXXX in the retail escalation department phone number XXXX, whom said would help me follow up with the issue and whatnot. She never did, and everytime I call her it's straight to voicemail. Highly unprofessional. PNC is keeping my funds as interest free loan and I demand my fund sent to me immediately before I take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet keeps listing my account as having past due payments. When I paid, they didnt credit the account. I disputed 3 transactions and the bank returned my money. Account was once again showing past due, even though Nelnet is supposed to write off this amount due to the XXXX vs XXXX class action settlement and return all the money paid. I once again paid to avoid any issues while they work out the settlement process of returning money and discharging the debt, but once again they did not credit my account, even though the money was pulled out from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via e

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 2018-07-27
Company: CITIBANK, N.A.
State: PR
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:
The three credit agencies XXXX, XXXX and XXXX  are reporting an Charge off account with a pending balance that is affecting my credit in a negative way. I called your company and there's no account with a pending balance or account that match the account number or my social security number showing in the credit reports. I never request an account with CITI or had an account open in the date that is showing in the credit report or an account number that match. I onlye have a XXXX XXXX credit card that have a different number that is closed and is pay as agreed.

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 2018-05-16
Company: EQUIFAX, INC.
State: OH
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 placed 2 security freezes with all 3 Bureaus and I am still having inquiries. I have also been informed I was part of the breach where my info including my license number was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Dovenmuehle Mortgage XXXX XXXX on XX/XX/XXXX. The letter was mailed on XX/XX/XXXX and stated that an unclaimed property amount of {$480.00} is due to me and must have contacted them at XXXX or fax at XXXX within XXXX business days from due date of XX/XX/XXXX. The letter stated within XXXX business days of contact a new check will be issued. I faxed and signed a letter claiming my check on XX/XX/XXXX, once I opened letter and realized they had my money since XX/XX/XXXX. I received a letter back from them on XX/XX/XXXX stating they would resolve this issue promptly. On XX/XX/XXXX I called and spoke with XXXX for updates and she stated that the check was not processed but with me calling that would get the check in a stage to be sent out. No check received. Called back again on XX/XX/XXXX with another rep, unknown name, stating check is still being held and to follow-up if not received in 30 days by law. No check received. On XX/XX/XXXX spoke with another rep and asked for XXXX. Spoke with XXXX, XXXX, Supv and she promised she would send yet another message to claims/unclaimed dept, stating that lawfully they have up to 90 business days for check to be mailed out. I informed her that is not what the letter said and she stated she would send another message to claims/unclaimed money dept for rush. She stated within that time I would hear back from her within 2 business days, no later than Friday XX/XX/XXXX. She never called back. I called on XX/XX/XXXX and spoke with rep that gave me to XXXX, Supv. I asked for her ID and she did not give it to me. I inquired about how the unclaimed check services work and she stated they have a certain number of days by law to send out check once everything is verified. She did not say how many days. She informed me that she will send another letter because nothing is showing in system that check has been released, and call back in 48 hours. I wanted to file a complaint. She told me to email to XXXX I went there and it brought me to a link that you have to register online for. I felt like I have gotten nothing but the run-around. I turned in my information within a timely manner and they claim to still have the check but it has not been released, The company sent me a confirmation letter that I still have along with original letter. I am asking for this to be reported because I do not recall getting an original letter from them after 3 years of them holding money that is owed to me. So now I am reaching out for help.

Company response to consumer: Closed with explanation