BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: Chime Financial Inc
State: IA
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:
XXXX/XXXX/2020 - I used cash app to purchase a {$300.00} item by unknown seller. I was told once payment was received that I would get tracking details immediately. That has never happened from the seller/scammer I instantly requested refund through cash app and the only way thats approved is through the seller. I got scammed so that person isnt going to approve refund request. XXXX XXXX wont do anything about this transaction either. I couldnt do anything about the charge while it was pending, during that time I had seller/scammer blocked. Yet she still received the funds once transaction settled. I then filed dispute through my debit/credit card company. Which on XXXX/XXXX/2020 I get the decision my claim was denied. Those are my funds I never received anything in return I want to report both XXXX XXXX and chime visa debit/credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a legal full name change back in 2017. I took the steps to make sure banks, employers, and all legal documents reflect the change. 

I am trying to open a line of credit, and my banks are unable to validate my identity with the credit agencies. I had this problem earlier this year and was unable to resolve it. 

I mailed a copy of my updated : ( State driver 's license, Passport, Social Security letter of confirmation, Official court order of name change, XXXX military ID, a bill with my name on it, birth certificate and my Marriage licence & certificate ) to Experian and they did not update my information, nor did they respond. Because of this I am still unable to access my credit, open a line or do anything. 

I've tried contacting them however I can not get past the automated mailbox, their website will not validate me or work at all. 

My name is XXXX XXXX XXXX. My old name was XXXX XXXX XXXX. My number is XXXX XXXX Thank you so much for any help you may provide.

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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX  and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.

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 2021-10-11
Company: Avant Holding Company, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recently bought a home and needed to pay off some of my unsecured debt. I called Avant prior to paying off loan on XX/XX/XXXX where they gave me a quote and a pay off date of XX/XX/XXXX. On XX/XX/XXXX I mailed 2 checks one in the amount of {$4000.00} and {$120.00} to pay off my entire loan balance. They were mailed together in the same envelope to Avant via XXXX express where both check numbers were documented when sent. The checks were received XXXX. Upon receipt, only 1 check in the amount of {$120.00} was posted. I dont see how they can only receive one check when they were sent together in the same envelope? I have called numerous times to inquire of the status of my pay off of {$4000.00}. No one seems to know and I can only speak to foreign agents. They have no direct line to their receiving department in XXXX where the checks were sent. I was provided with an email for their receiving department and still have no word. If my amount is not paid in full by XXXX ( which has passed now ) I will face extra fees, penalties and possibly a negative mark on my credit score. I feel this is extremely bad business on their end as I paid my dues timely. If dont receive an update within the week I plan to put a stop payment on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a cash Out refinance in XX/XX/XXXX On my current home loan with NeWrez. The company has started this loan process 3 times as of today XX/XX/XXXX the loan still has not closed. The homeowner has excellent credit, this loan process is taking way to long. I feel that the slow pace has to do something with race. There is no reason a loan should take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
For my Chase XXXX XXXX credit card, I notified them of my name change from marriage immediately, as it is a legal name change and I no longer go by my previous name at all. I received an email asking me to fill out a form that Chase was going to mail to me to update my name. I then sent and attached an email with my new driver 's license and social security card to them. I asked for them to immediately update my name and explained the name I wanted it updated to. I explained it was a legal name change, and my name was no longer the same, so this definitely needed to be updated ASAP. They confirmed receipt of the email with the attached files. They continued to ask me to fill out a form they were mailing, and six separate representatives confirmed that after the form was received with my new name information on it, because I already sent in the proper files, my name would be updated. I escalated to management because I felt that I had sent in sufficient information for my name to be updated without the mailed form, however, everyone refused to update my name. All customer service was foreign and kept repeating the exact same information. I received the form, filled out my name as the instructions stated, and sent it back. What I expected was for my name to be updated, but it was not. Instead, I received yet another letter stating that I needed to send in documentation with yet another form to update my name. I called in to customer service and spoke with a representative, and supposedly a manager. Once again, I was given the run around and told that they had no information showing my name change documentation, even though, as I stated previously, I spoke with six people that guaranteed my name would be updated as soon as they received the mailed form with my information. As all of this took over two months, I decided to close my account. I feel that I should not have had to do this, however, after receiving months of run around and incorrect information from people who just kept repeating theirselves, I felt like this would never get resolved. I really feel like Chase is employing people who do not really know what they are doing, they can not make outside the box decisions, or look up information in order to help a customer. They are employing incredibly outdated tactics from the 1980s in updating information on accounts ( requiring mailed letters, etc. ) and there is no good customer service at Chase. I have at least fifteen other credit cards, and I had no issue with any of them except Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!

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 2019-06-13
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants have threatened collection on an account I previously stated I would not pay to XXXX. Last winter I ordered a new phone from XXXX. I could not download anything from my old phone. The people in their service department told me to remove the old SIM card and put it in the new phone. That did not work which rendered my old phone useless. No calls could be sent or received. This went on for almost two weeks. I got nowhere with XXXX. I returned the new phone as it didnt work. I refuse to pay for something I could not use. Their trying to collect XXXX from me. They should also have a record of all the conversations I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is AMERICOLLECT INC for {$120.00} on XX/XX/2017. I have called and written them a letter with no help from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It has come to my attention that Toyota FInancial Sevices has violated many Federal Laws and Policies throughout the past year. I have brought them to there attention and the CFPB as well as the FTC last year and continue to do so. Toyota Financial has even removed there account from my Consumer Report due to the various violations that I have sited in the past but has failed to conduct themselves in honor. They have continued to send me various billing errors and harras me as well with phone calls about alleged debt. 

First off I was charged a finance fee/down payment for the XXXX  XXXX XXXX  XXXX of XXXX which was the value that they gave my other car that was worth XXXX at the time. Persuant to 15 U.S.C. 1605 ( a ) the finance charge is the sum of all charges.Included in this charge was to be all insurances, services and maintenance charges. 

Not only was I not told how they even came up with my charges and fees, violation of 15 U.S.C. 1632 Annual Percentage Rate, but they then didnt give me any of the required by law notices that they where supposed to. 12 CFR 1026 ( 2 ) ( a ) ( 11 ) ( 2 ) and 15 U.S.C. 1635 Rescission Rules state Toyota Financial was suppose to give me documentation about these rights within 3 days, one copy by mail and one by email which was never done.

Due to Toyota Financial 's brazzen behavior towards the violations that they continue to mock through 15 U.S.C. 1692 ( a ) and ( c ) Communication in collection of a Debt and 15 U.S.C. 1692 ( e ) False and Misleading, I am requesting the following remedy : Furnished Clean Title with my name as lien holder along with the full remaining balance of the vehicle in question of {$32000.00} along with the years worth of the car note {$8200.00} as well as the $ 5K used as down payment. I could go on with the violations due to it being a long year back and forth with them but I think you will get the point. Lastly i want to make it very clear that I DO NOT WANT TO RESCIND the entire contract ONLY THE TRANSACTION. Thank you and please let me know if you need anything further from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, 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:
I have reached out to Equifax numerous times over the past 2 years in regards to fraudulent accounts reporting on my credit with XXXX XXXX XXXX XXXX XXXX. The following accounts are not mine : XXXX {$8600.00} opened XX/XX/XXXX XXXX {$1300.00} opened XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX and reported the fraudulent accounts also. Equifax removed these accounts from my credit XX/XX/XXXX and now they are back on my credit. These are fraudulent accounts that I never opened with this bank and Equifax states they are investigating this information however it keeps appearing on my credit. I am attaching my police report as well as fraud affidavit and letters that I have sent to Equifax. This needs to be corrected immediately or I will have to take legal action against Equifax for not following the law in regards to fraud victims. Please assist me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans union, XXXX, and XXXX keep reporting XXXX  on Credit, XXXX  XXXX XXXX XXXX and XXXX XXXX  as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent many disputes to TransUnion many attempts to get them to Validate old closed accounts on my credit report they failed to do so. Also I requested copies of original contracts between me and then accounts on my report they failed to do its been going on 2 years and they still have not sent me any proof of validation of any closed account debt 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 2021-10-11
Company: JPMORGAN CHASE & CO.
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:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my credit card statement last month in full. 

Based on my prior experience paying off other cards, I was aware of the concept of trailing interest and aware that this charge would likely show on my ccard statement the following month. 

It did show. 

I requested they remove this charge since it was not reflected in the balance due from the prior month 's bill. They refused. 

I requested an itemized breakdown of the charge they were attempting to charge me. 
They provided me with an explanation of the charge but no itemized breakdown. 

Instead, I got notification that.. they increased my credit limit. Which is not what I wanted or even requested. 

I refuse to pay this amount without 1. An itemized breakdown reflecting the daily interest accrued amount based on my specific account details.

2. a reminder of the language within the ccard contract that reflects that this amount is expected.

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 2021-10-11
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes my name is XXXX XXXX and I would like to submit a complaint against chime. As of XX/XX/XXXX I had roughly XXXX in my chime spending account. I had been with the bank for over a year but it hasn't come without costs. As of XX/XX/2021 I had XXXX supposedly. 8 days is all it took for my account to be wiped out basically from unauthorized transaction and activity on my account which I had noticed before and tried reaching out to chime several times whenever my money would just disappear from the running balance. They would deny my claim and wouldn't return my funding or even look into it I feel. I have done my part and notified them immediately of this and they have not honored their liscene with Visa and their zero liability promise as I haven't heard anything about my disputes. Furthermore, you can not reach a live customer service representative only email them that's all. I would like to know why I did everything I was supposed to and my bank didn't look out for me as the consumer and didn't listen whenever I communicated with them my concerns. And if Visa is saying zero liability then someone must be getting that reimbursement because it isn't the consumer.

Company response to consumer: Closed with explanation