BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: Netspend Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On Thursday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NC, to cash a money order. I filled out the necessary forms and was told that a checking account would be opened for me. I stated that I did not want the account. My money order was cashed, I was told to press several buttons ( Green and Red ) on the credit card machine, and then I was given a packet of information describing a checking account ( XXXX XXXX XXXX by XXXX ) that was opened for me. The cashier told me that the account was opened automatically for everyone and that I would just have to call XXXX and cancel the account if I did n't want it. I called the phone number provided as soon as I left XXXX XXXX XXXX and was told by the representative that I could only close the account if I paid a {$15.00} closing fee. I explained that the account was opened without my approval, but the representative insisted that I had to pay the fee. I asked to speak to a supervisor and was connected with XXXX. XXXX also said that I needed to pay the fee. When I refused, he stated that I needed to return to XXXX XXXX XXXX to have the account closed without a fee. When I pressed him on why the bank itself could n't do this and that I was going to contact the CFPB, XXXX placed me on hold. When he got back on the phone, he stated that he was closing the account and waiving the fee. He stated that this would take 1-2 days. On Tuesday, XX/XX/XXXX, I received a text message stating that my XXXX XXXX XXXX Debit Card was mailed. I called XXXX again to check why the account was n't closed. I spoke to a representative who said that the account was escalated to a manager, but not closed. After being placed on hold several times, the representative told me that I could only close the account if I paid the {$15.00} fee. When I explained my previous experience and the resolution given to me by XXXX, the representative said she understood my concern, but offered no resolution other than me paying the fee. I asked to speak to a manager to resolve the issue. I was placed on hold for 40 minutes before ending the call.

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 2017-10-02
Company: EQUIFAX, INC.
State: NC
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 do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
State: NC
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 JUST RECENTLY SUBMITTED A DISPUTE TO EXPERIAN AND EXPERIAN TELL RESPONSE TO CFPB IS THAT THEY NEED A COPY OF SS CARD DRIVER LICENSE AND A COPY OF UTILITY BILL I HAVE SENT THIS TO EXPERIAN TWICE CERTIFIED AS WELL AS NOTARIZED HOW MANY MORE TIMES ARE THEY GOING TO KEEP GIVING THIS EXCUSE CERTIFIED MAIL SENT TO EXPERIAN HAD TO BE SIGNED SO THEY RECEIVED A COPY OF MY DOCUMENTS

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 2021-06-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to TransUnion as the agency originating the problems. On XX/XX/XXXX, I contacted TransUnion, spoke with XXXX. She claimed that TransUnion received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to XXXX and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. XXXX did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.

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 2017-10-02
Company: Malcolm S. Gerald and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: NY
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:
Credit card company XXXX XXXX XXXX XXXX held my check for payment of {$20.00} balance on XX/XX/XXXX. I mailed check to XXXX XXXX XXXX XXXX and they held check past the due date of XX/XX/XXXX Friday until XX/XX/XXXX, to clear my account they charged {$20.00} late fee plus {$0.00} interest fee. When I called to explain it was sent on time and I was a 21 year member of XXXX XXXX XXXX XXXX and had same difficulty in the past and stopped using the card because they hold checks and drive up late fees there was not one manager or otherwise willing to help me to resolving this. I spoke with 2 managers including XXXX Team # XXXX at XXXX on XX/XX/XXXX. The {$20.00} they charged me exceed the original charged amount/balance on the account. This is excessive and two managers would not reduce this late fee. It is as if they are loan sharks charging 100 % interest on my charges. This can not be legal or right. I had to pay this over the phone today to avoid further late fees of {$20.00} on my {$20.00} current late fee on my original charge of {$20.00}. Thank you in advance for your time.

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 monetary relief
Consumer complaint received 2017-10-03
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having ongoing problems with New Penn Financial based out of XXXX, Pa. They have consistently not applied my additional principal payments to my principal mortgage. Now, because I have previously complained about this, on my last statement, they said I have a NSF fee of XXXX. I had over 7000.00 in my account on XXXX XXXX, 2017 when they withdrew my monthly payment of XXXX. I feel they are being vindictive towards me because of my previous complaints with CFPB, the BBB and Wisc. state bank examiner. I have left messages with their billing dept., their compliance officer, XXXX XXXX, my original loan officer, XXXX XXXX, and their Hqs. in XXXX. None of the aforementioned people have had the courtesy of returning my calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I had a Citi credit card in XX/XX/XXXX. Citi charged me an annual fee in XX/XX/XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XX/XX/XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XX/XX/XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In the summer of XX/XX/XXXX & early XX/XX/XXXX, TransUnion experienced 2 separate computer glitches that caused inquires to be deleted from my credit report. Those inquires were then added back to my report once the glitch was discovered, however I was not notified of the inquires being added back. Legally, they were suppose to provide me written notice 5 days prior to them adding the inquiries back. I contacted TransUnion in good faith to ask them to delete the inquires that had been illegally re-added. On XX/XX/XXXX @ XXXX, I spoke with XXXX XXXX in an office outside of the USA , he refused to provide the exact location. He stated that a glitch did take place, however the inquiries were not being removed. More than once he acknowledged the error as well as me not being informed of it, but still refused to take action. These inquires add a hardship & my rights were violated by TransUnion. I am asking that you make TransUnion stop victimizing me.

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 2021-06-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank closed my checking and savings account for no reason after contacting them in regards to my deposits. Both deposits went through but still they decided to close my accounts just because. They would not reopen my account for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
After reviewing my credit report I observed XXXX XXXX Credit Card has not reported this credit card on my daughters credit report to Transuion or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with Transunion, XXXX  and XXXX. I am requesting for this credit card by XXXX XXXX, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: CT
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:
My Experian Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My Experian Credit Report also shows a Bankruptcy and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact Experian to remove these items.

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 2022-02-02
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. 

I received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. 

There are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. 
Chime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. 
Chime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. 
Chime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. 
Chime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. 
Chime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. 
Chime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. 
Chime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
There are some negative accounts in my credit report that don't belong to me, please remove them as soon as possible from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CITIBANK, N.A.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In late XXXX I purchased two appliances from my local XXXX store, where I'd shopped for decades, using my Sears credit card. I was informed that I'd be getting a new card .... and that delivery of the produce would be delayed until mid-XXXX. Items were installed by the third week of XXXX, and I began to get phone calls from " Shop Your Way '' XXXX, which I ignored, assuming it was a solicitation. I picked up today and learned that I was overdue for a payment in late XXXX,, and that this card was the " new '' card from Sears, never identified as Sears. I said I hadn't received a bill ; they said they mailed it. I said then please email me the bill ; no, I can not do that, I was told. I said, well, I can not send you my bank account info without seeing the bill, and that I protested the {$29.00} late fee they said I owed. I also said I had never heard of a card that began billing me before I had even gotten the appliances, plus I hadn't received the bill they claimed to have mailed. They didn't offer a way for me to set up an online account and pay them. They just wanted my bank account info. I said I would phone them back after I'd talked to my husband. At the end of the phone call, they asked for my email address and said they'd be sending me promotional material, which I don't want -- and after I hung up, I thought, WAIT. They've got my email address. Why can't they email me a statement? With contract information, which I have yet to even see. I went with Sears because I trusted them, but now I know I'm dealing with CitiBank, who apparently wants money back as soon as they lend it. And I just don't believe they are UNABLE to send me an email bill. That's ridiculous. Never again!

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 monetary relief