BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a debit checking account with Chime, a bank or financial company and deposited {$2000.00}. This was in XXXX deposits, XXXX {$500.00}, XXXX {$500.00}, and XX/XX/XXXX of {$1000.00}. Shortly after that I found the account blocked by chime. It concerned a deposit made into my home bank, XXXX XXXX XXXX on XX/XX/XXXX. This deposit was a settlement from XXXX XXXX of about {$4900.00}. 
This was determined after many phone calls and emails. I provided Chime with proof of ID, and verification of the deposit from XXXX, with a copy of the original invoice. This was done several times. At the end of XXXX chime closed my account. They no longer replied in person on the phone. 
Finally XX/XX/XXXX, after nearly three months of calls and emails I was informed I would receive a refund of my money within 14 daysnothing for nearly a month, except an email from chime inquiring about my asking about a check about ten days ago. I have written emails to whoever signed these emails for an explanation. Nothing. in reply from chime since then to the present. 
We have never experienced anything like this. It seems to be a fraud. This money is very important to our family. Thank you for your solution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Chime about my direct deposit form was included and I needed o fill it out, I do not have an account with Chime. This was XX/XX/24 XXXX right after that email I got another email saying welcome to XXXX XXXX XXXX and my account was successfully created an savings account and that it was linked with Chime. I closed the Chime account by clinking the link. I called XXXX But they asked me for my social security number which I would not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PayPal placed a Limitation on my account onXX/XX/XXXX due to fraud. On that day I spoke to a Supervisor- XXXXi- She escalated by case. On Friday XX/XX/XXXX I received a message stating that you partially removed some limitation, however I can not tell what those are. I still have no access to my funds. No responses from my daily messages to PayPal. I have attached the documents requested by XXXX again. The package for XXXX XXXX was delivered on XXXX. As you can see there was a note included, showing her satisfaction- The RISK of a chargeback is no existent. The other is the REFUNDS-UNKNOWN- XXXX XXXX are payment from a Delivery/XXXX XXXX- XXXX XXXX XXXX. This is how they pay in their instant payout feature to a debit card. These are not charge backs. I would also like to add that I have had over XXXX sales in my XXXX store with no charge backs at all. If you need documentation of that please let me know. This account is all my funds in the world. I have not been able to purchase gas or buy food for my family. As you can see the deposit that came in last week was my Federal Child Tax refunds and payment from another XXXX XXXX I work to make extra money for my family since I am a single mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
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 disputed four collection accounts on my credit report with Equifax dating back to XX/XX/2020 as the date of my first dispute to Equifax. I never received a response within the 30 days allocated to a credit reporting agency to respond to a consumer once a dispute has been filed. By law, because Equifax failed to respond to me in over 120 days, the disputed items are suppose to be deleted/removed from my credit report. 

Today I called Equifax because they sent false & extremely misleading information to the CFBP in response to my complaint about their severe lack of urgency in following the guidelines & laws put in place by the FCRA when it comes to serving the consumer by failing to comply within a timely manner. I was told my complaint was closed with an explanation. When calling for the explanation, the agent told me the complaint was in fact still opened & they would not even give me the curtesy of communicating the results to me. They said that is left up to the CFPB which is absolutely unacceptable. Equifax has had well over 120 days from my first dispute filed to investigate & have not done so. Even after four letters & a complaint from the CFPB, they continue their erroneous behavior which is severely hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
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 am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones. 
2. Review and rectify the status of charge-offs, removing any inaccuracies. 
Investigate the unauthorized inquiries and remove them from my credit report. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$880.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It shows on my credit report tht on XX/XX/2019 a amount of {$35.00} is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NC
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I acquired a debt consolidation loan with XXXX ( www.upgrade.com ) for {$7000.00}. The loan was reviewed for 2 weeks and was turned down. I proceeded to pay of my XXXX XXXX card ( one of the CC included in the original request ) since the loan had been turned down. A week later I received an email from UpgradeXXXX that the loan was approved and funding was sent. This resulted in an overpayment to my XXXX XXXX card for which I asked to be refunded to me. XXXX XXXX instead returned the funds electronically to XXXX. This transaction was process on XX/XX/31. I have contacted XXXX XXXX regarding this transaction and they supplied me with a trace # for the electronic transaction. I have contacted Upgrade/XXXX by email ( 6 times ) and have called them at least 6 times ( usually resulting in XXXX minute hold ) to locate the funds. Upgrade has simple said that they do not accept funds back electronically but they have not been returned to XXXX XXXX or myself electronically or my mail. I have already started making payments on this account and Upgrade has refused to answer my information request to locate the {$1200.00} or to credit it back to my loan. I have been charged interest, an origination fee, and loan fee based on the funds that include this {$1200.00} that I have not received. I have been contacting both XXXX XXXX and XXXXUniversal every 3-4 days for the last 2 weeks and still do not have a resolution. Given that XXXX XXXX has supplied an electronic tracking number, I believe that this is an issue that is in XXXXUniversal area to solve!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: ID
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 paid off a XXXX dept and my score keeps going down. I is supposed to go up when you pay off a debt. It has gone down 10 points every month in the last two months. that is 20 points in two month. You pay off a debt it is supposed to go up. It has gone from XXXX to XXXX for no reason. 

They also refuse to take off a fraudulent debt XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NJ
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 am very concerned because my credit report is showing discrepancies. I am a very concerned consumer concerning these discrepancies as it is affecting my credit and overall quality of life.Please remove this information as you are in Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

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 2021-09-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The ECSI loan provider gave me a loan for XXXX with a monthly payment of XXXX per month for 10 years at 5 % interest rate. 
the file " loan details '' shows a screen shot of the loan details. 

When I calculated the monthly payment through a free loan calculator and through XXXX and by hand ( 3 different ways ) the monthly payment should be roughly {$25.00} The file " actual loan rate '' shows the monthly payment that this loan should be.

charging me {$40.00} instead of {$25.00} is only {$15.00} but if this is done to thousands of former students across the U.S then I believe that ECSI will potentially steal close to a million dollars over time from students.

But charging an interest rate of around 11 % but claiming to charge an interest rate of 5 %.

I have already reached out to ECSI about the over charge on my monthly payment but have had no response on XX/XX/XXXX. 

I felt obligated to share this information and so I have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Navient Solutions, LLC.
State: NY
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:
Navient Removed me from the Income Driven Repayment Program ( " IDR '' ), Without notice or full disclosure as to why, While I am disable. Then reported that I was delinquent on repayment 120 days. I contacted Navient, they said It was reporting that way because I failed to renew or re-certify for the IDR program. I provided all the Emails and facts proven that I was never given notice or full disclosure as to any failed payments or that the IDR had expired nor that it was time to re-certify. 

I was placed on hold, then a representative named XXXX returned to my call admitting that she couldn't find anything explaining why the contact status was changed ; and that she didn't see where I had ever requested that my previous means of contact that I provided, be changed. Then she went on to inform me '' but it was changed from email and phone to contact by mail ( Letter in the Mail ) ; and I don't know how. '' I sent numerous written request as directed to the credit reporting division, at Navient, for the information on my credit report be corrected and that the false, incorrect and inaccurate misinformation be removed. Still over 1 year later the information is showing on my credit report making me financially indigent. Moreover, the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Original issue : On XX/XX/2021, I received notification from XXXX that a collections account was added to my report called XXXX XXXX XXXX XXXX. My score decreased by 88 pts due to this. I contacted the collection agency and they basically gave me information that was incorrect. Also, dates of a payday loan I never had or heard of as well as a debt before I was even XXXX  years of age. Also, I heard loud rap music in the background. Would not give me any information as to his name, Manager, CEO information. He also stated that he was the CEO and that information was irrelevant then proceeded to hang up in my face. Phone Number I called was XXXX. 

Current issue : Called me threatening to sue me if I didnt respond to them within 24 hours. I have voicemail. I called back and they stated they will be suing me if I didnt pay the XXXX and something odd dollars. Will be filing police report in the morning. They have threaten to speak with my employer to try and garnish my wages.

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 2023-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
Caine & Weiner is mistakenly reporting on my credit. My obligation with the original creditor XXXX was fullfilled. There should be nothing in collections. Please delete. See attached as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion and XXXX  have allowed XXXX XXXX XXXX to report inaccurate information. It has been brought to their attention but they continue to ignore this concern. The law requires information to be accurate and timely on credit reports and if it is not it must be removed. Even after their investigation, it does not match what the creditor claims. I had to start legal action in an effort to resolve this concern.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX  I was struggling to make my Wells Fargo Mortgage payments. I made extra payments each month to catch up. However, I didn't notice that Wells was putting the extra funds in my unapplied funds section. XXXX day I received a refund check for those funds, which was equivalent to XXXX mortgage payments. I went to my local branch the same day I receive the check to make the XXXX payments. The teller informed she could not accept the check because my home was in foreclosure. The only way she could accept the payment was if I could pay the full $ XXXX in foreclosure fees at that time. 

I had to file XXXX XXXX to stop the foreclosure, and payback the $ XXXX in foreclosure fees. At the time, I contacted a company that would help me pay my mortgage payments. I did not qualify for the program because I didn't meet their requirement, but I completed the interview process accordingly. The strangest thing is that company paid my mortgage for XXXX  months before they contacted me to sign a payment assistant agreement. Since I didn't meet the program qualification, I let it go and then filed XXXX XXXX. 

XXXX. Why didn't Wells Fargo notify me that I was going in foreclosure? I found out when I ran to the bank with my refund check. 
XXXX. Why did Wells accept mortgage payments from an outside party, but I could not make a payment without paying the $ XXXX first. 
XXXX. Why didn't Wells simply take the unapplied funds and apply the XXXX payment to my mortgage, instead of sending a refund check. 

No one ever contacted me from Wells Fargo to inform me that I was going into default! I learned when I went to the bank with the unapplied funds refund.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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