BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported fraud on my chime account on XX/XX/21. my cell phone was stolen and they hacked into my phone, taking over my email accounts and getting into my chime.com app. they then proceeded to change the because email to their own email so I could not log in and transferred themselves XXXX XXXX to themselves through the XXXX XXXX feature in the app. I have been in dispute with them ever since but have gotten refused twice. I included the police report I filed with the fraud and theft report and was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been receiving threatening letters from Citimortgage regarding my condo in Florida for about a month. The letters request information regarding my hurricane and flood insurance on the property. I submit the information to the website and fax the declaration pages of both policies as requested. Subsequently, another letter will arrive each XXXX threatening to add fees and insurance bills onto my existing mortgage. Again, I update the website with no success. In addition, the bank calls my personal insurance agent numerous times asking for personal insurance information. I called customer service XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. During the initial call I was informed the bank needed master policy information from my homeowner 's association NOT personal insurance policy information. When I asked why the numerous threatening letters did not specify this I was given the runaround. I provided the contact information of the individual who could provide all insurance information regarding the condominium association. Citimortgage continued to call my personal insurance agent for information. Now I am told if the insurance info is not received within a certain window of time XXXX which they wasted with nonsense letters ) I will be charged fees and insurance costs to my mortgage. I stated I refused to pay any fees or insurance when I am adequately insured and was promptly hung up on by Citimortgage customer service. I would like to file a complaint regarding discrimination and unfair business practices. If the bank is going to treat customers in Florida who reside in a flood zone in this manner they should be penalized for such business practices. Ultimately, I REFUSE to pay insurance on my mortgage for insurance I already have but Citibank is too confused to properly ask for.

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 2017-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX wrote and mailed a dispute letter to Experian on XXXX XXXX, XXXX XXXX. The response with a letter on XXXX XXXX, XXXX stating that the account in question was verified by creditor but did not provide no documentation or evidence. 
XXXX. I called them on XXXX occasions XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX to delete this account from my credit report and all times were denied. My next step is to start litigation against XXXX, XXXX and Experian.

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 2017-10-04
Company: U.S. BANCORP
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards P & I. Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2020-04-24
Company: BlueChip Financial
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I sent a letter onXX/XX/XXXX to Spotloan to revoke ACH authorization any further. Then today I find that money has been debited from my account anyways. I also sent another letter stating at the top that the original was sent on the date above. I got a response but no acknowledgment about there being a prior letter for ACH revocation. 

It reads this : Date ___XX/XX/___________ Name_XXXX XXXX ___ Address_XXXX XXXX XXXX XXXX___________ Email_XXXX_____________ Attention Payment Department Lender Name_Spotloan _____ Fax : N/A_____________ Acct No. __XXXX_______________ To Whom it May Concern : I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers and NACHA  regulations amended XXXX. I am revoking any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: LoanCare, LLC
State: WA
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:
This company is the only one that has messed up my credit report for their mistakes Loan Care / XXXX XXXX  Start of issues when Loan Care took over our home loan. 

I make my payments anywhere from the XXXX to the XXXX of the month before it is due. I was told this would not be a problem. ( I am only on Social Security so I can not keep the money in my account as it would be used up unintentionally. ) XXXX - @ XXXX - XXXX I had received a late notice and they put it to the change in providers and would take care of it. 

I had received another notification of lack of payment and called : XXXX - @ XXXX and spoke with XXXX about it and she said that there was a missing XXXX payment. I let her know that the payment had cleared my account month ago. Sent an email of the two ( 2 ) statements and she found that it had been put into the wrong account and that I had not changed the to the new number ... I had changed it all as soon as I received the notification of the new company with my home loan. Went through and deleted and re-imputed the same information with her on the phone. It was to have been all taken care of. 

XXXX - @ XXXX - XXXX XXXX I had received Another late notice ) found AGAIN that it had been put into the wrong account ... how I do not know so deleted the same information and re-input with her on the phone the account number it was to go to ... which is STILL the same one I had been using. 

She said she would take care of it being late. 

XXXX - @ XXXX - XXXX did not know so transferred me to the supervisor XXXX he said that the last call process had not been completed in XXXX by XXXX and was not under the proper format so accounting disregarded it. 

He said he was reworking this and would call me back in several days ... of course, I did not receive a call back but for some reason this is all my fault have been punished and cost me respect and the ability to deal with monetary issues that I have worked hard to have at my disposal. 

I had my hands full with my XXXX and her XXXX, selling her home and moving her so had not time to babysit what they were doing just kept making the mortgage payments. ( My mothers in an XXXX and now I can not afford to keep her there until medicaid goes through or my credit is repaired )

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 2021-06-10
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please Review court notes here- XXXX XXXX XXXX XXXX=XXXX  XXXX XXXX XXXX XXXX   I was notified of this debt sometime last year or the year before. I have been continually disputing it as I have no reccolection of the debt what so ever. I tried to contact the company LVNV funding numerous times via email - and I have the documentation to prove it via email. They claim that I owe money for a credit card debt to XXXX XXXX XXXX. XXXX XXXX XXXX  is still sending me mailings all the the time to accept their credit card offers. I have asked them to stop over and over again. 

They took me to court our first hearing was XX/XX/2021 - where the judge had let them know that they needed to send me paperwork. I have called and left several messages and emailed their office - with no response. 

Today we had court again - they have not proven the debt and had failed to send me any documentation in the last 30 days - I requested to the judge that it be dismissed and he said " that is not going to happen today '' - I am not sure why this is not in the court notes. 

Under the Fair Debt Collection Practices Act ( FDCPA ) - a collector only has 30 days to send paperwork - if they fail to do so then they can not collect any futher. 

Today the judge gave them 30 more days. After I requested it to be dismissed, which are against my rights. 


This is the information to the law office trying to collect the debt for LVNV funding. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA, XXXX, MN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I called Experian asking them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Inaccurate reporting has caused stress an XXXX  the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.

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 2020-12-22
Company: Experian Information Solutions 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 checked my credit reports through XXXX XXXX and Experian. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.

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 2021-11-30
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} I have contacted each and every creditor they told me to call the credit bureau they can not give me any information on these accounts that they are saying are mine they are very rude and not being considerate of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the XXXX credit bureaus ( XXXX, Equifax and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and Equifax stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alarm company that I signed a contract with was XXXX and XXXX was never a company I was in contract with The home was sold I called multiple times provided all the documentation to the original creditor they asked me to sign a new contract for my new home and told them I wasn't interested because getting ahold of them took an act of God. Attached above is the address of the property on XXXX XXXX that had the alarm system installed in it that again was broken multiple window magnets not communicating with the front panel making the system useless. 



I couldn't get anybody out to repair the current system that was inoperable for at least six months they told me if I could get the new buyer to sign a contract for this system I wouldn't be liable. 



I told him the home was sold and that the alarm services were no longer needed. 

plus during the process of the company monitronics you couldn't reach anybody no matter how many times you called. 

If you went on their website the XXXX number would just re-route you. 

I tried filing complaints sending through emails never got a response. 



I've made multiple service calls because there were multiple windows sensors broken no one ever returned my call/ They must have went about went out of business and sold the contract to XXXX which I never had a contract with to begin with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
HSBC Bank XXXX XXXX, XXXX NY XXXX notified 1st by  phone XX/XX/2020 phone XXXX spoke to XXXX Fraud dept..Advised I was the victim of ID Theft, and a fraudulent account for {$6500.00} had been opened in my name.I sent certified mail a packet including : Identity Theft Report, Proof of Identity ( driver 's license ), Credit Report showing outstanding debt & Notice to Furnishers of Information. I requested the account to be closed, ( which I was told was done ), to remove any charges on the unauthorized account, and to take steps to remove information about this account from my credit files. I also told them to send me written confirmation that I am not responsible for charges on this account, and that it be closed immediately. I have NEVER received one call or letter from them to date. I have called them on several occasions only to be told they are working on it. Today XX/XX/2020I spoke to XXXX at XXXX since it has been 90 days! He said account was closed, that the investigation showed I was cleared. I informed him that XX/XX/XXXXstill shows I have a low score & I want them to contact XX/XX/XXXXwith updated information, clearing my bad credit! In addition I want a formal letter stating I am not responsible, so if I have a problem with my credit in the future I have something to show. He tried to get through to a supervisor, but after about 45 min. on hold, all he could do was email the supervisor asking them to call me. At this point I do not feel that I will get satisfaction without your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit alert that LVNV Funding LLC reported a collection on my credit report. I never had any communication from this company prior to this event. No letters or a single phone call. This has caused stress. I have never had an account with their client and I do not recognize the debt that they are claiming that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was unfortunately sold to Amerihome, and I can not wait to be able to refinance somewhere else. Last year I fell 1 month behind on payments while on maternity leave. I was sending in payments as I was able, about once a week, not realizing this would throw my payments off. After many calls back and forth to them ( the specific name I believe was XXXX, though spelling may be off ) I was able to catch up, and this was verified by them, as well. Then the next month, a payment was lost it misapplied. After getting multiple proofs of payments that I did, indeed, pay them, they credited my account. Then all of a sudden they tell me Im still a month behind! Apparently they say they accidentally credited my account twice, none of which is obvious to me on their awful website, and that essentially Im responsible for their mistake. Ive sent in so much paperwork with proof of payments from my credit union, and even an XXXX  spreadsheet on all of the payments I made. Its hard to talk with anyone on the phone because it always ends up in around an hour phone call. XXXX just stopped calling me back and eventually became quite rude to me. So now Im accruing late fees, and the late payments are affecting my credit score. So over this company and their predatory practices.

Company response to consumer: Closed with explanation