BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was fraudulently opened with Chime Bank. I was made aware of this account via email, otherwise I would've never known. I tried to reach out to Chime for assistance but was initially told I needed to be sure I didn't open the account or were trying to open a new account and close another one. After I received this email, I was extremely upset. I reached out to Chime a second time demanding this account to be closed. I also explained how all three credit bureaus have a fraud identity verification statement from me which they bypassed. Chime reached out again ( via email ) stating I would need to send in my social security card, drivers license and a picture of me holding my license in order for them to verify my identity. I emailed them back stating I will not send in these personal documents that were not required to open this account. Chime response was basically stating there was nothing they could do if I did not assist them with these documents. There is no telephone number to speak with anyone at Chime, they only respond via email. I am extremely upset during these hard uncertain times with the way I am being handled as a victim of identity theft. My personal information is out on the XXXX market and Chime doesn't seem to understand how they play a major role by skipping the appropriate steps to accurately verify potential customer 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SANTANDER HOLDINGS USA, INC.
State: CO
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:
XXXX XXXX XXXX XX/XX/XXXX CHRYSLER CAPITAL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX and CHRYSLER CAPITAL has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 have advised Experian on several occasions that I was never late on any of my open accounts in XX/XX/XXXX, or XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Experian has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Fraudulent Account XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX. XX/XX/XXXX Fraudulent Inquiry Above is a list of fraudulent accounts and inquiries being listed on my credit report by your company. I did not give authorization to the above creditors to open and account nor pull my credit file ... Please remove the above items from my Equifax credit report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior Complaint # XXXX was wrongfully closed and closed by the bank by committing Fraud or Fraud In Fact and closed for Nefarious & /or Deceptive Reasons. 

This request is is to Re-open the aforementioned case and add to or supplement the additional crimes and violations contained herewith for a just outcome for the consumer. 

Full copy of the original complaint was attempted to be uploaded but was rejected due to size. If youy need original complaint doc 's advise how to bypass the size block and or another method and i can provide them to you..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Lakeview is overcharging me in my escrow account. In XXXX, an escrow analysis was done. I had a {$2000.00} overage. Which was mailed to me in XXXX. My taxes went down due to a reassessment and a Homestead Rebate. I mailed them the new tax bills to reflect this reduction. They paid the correct lower amounts, but never updated their system. When the analysis was done it was based on the XXXX figures. I explained they needed to update their system with the XXXX figures and do a new analysis. I spoke with the escrow department. The analysis department doesn't take or receive phone calls. A new analysis was done based on the XXXX figures, so nothing was changed. 
I called a second time and again nothing was updated. The third time I asked to speak for a person in management. The management women never gave me her name. After 45 minutes on the phone I was disconnected. I waited an hour for her to call back with no return call. I called for a fourth time again asked for a manager. I spoke to XXXX of XXXX  XXXX. She understood what I was talking about and said it would be corrected within a week. Nothing was updated even after this call. 
I called a fifth time, asked for a manager. I spoke with XXXX XXXX. He told me there was nothing wrong with the figures and rudely stated I didn't understand how it worked. Since they wouldn't adjust the escrow after this fifth call I requested that I stop the escrow portion of my payments. XXXX was still rude in the conversation and refused to help. At this point my frustration got the better of me and instead of continuing to argue the point, I hung up.

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 2019-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I, wrote a check to a friend for {$130.00}. On that date she took the check to her Wells Fargo bank branch in XXXX XXXX and cashed it. 
A few days later the bank returned the check saying " refer to maker " and deducted the {$130.00} from her account. She contacted me at which time I pulled my XXXX XXXX XXXX statement that showed the check cleared my account. I have since received the copy of the check showing it cleared XXXX XXXX XXXX. When trying to provide the information to XXXX XXXX " Financial Crimes Manager " XXXX I was informed that she could not discuss with me because I do not have an account with Wells Fargo. The person I wrote the check to proceeded to contact the XXXX XXXX XXXX investigation unit and the response was that they could not help her, it was a XXXX  XXXX XXXX problem. I have subsequently received information from XXXX XXXX XXXX, front and back of check, showing funds were wire transferred to Wells Fargo. Wells Fargo has neglected to provide any information that the funds were never received. Nor will Wells Fargo reach out to XXXX XXXX XXXX. 

I have all documentation that is needed. Wells Fargo : 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 explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 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 2020-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
About XXXX years ago I enrolled several credit cards with dept totalling about $ XXXX with a debt relief agency. The debt has been resolved on all but one card. This enrollment reduced my credit score to XXXX from the mid XXXX. I have faithfully been paying {$1400.00} each month since then. 

I have three CHASE cards, two of which I always pay the balance each month ; one is a Amazon card. One card has half a dozen chargses that are automaticaly applied each month. The third card has a balance of about {$1800.00} that I am paying off slowly. Never a missed payment on these cards! 

CHASE decided to close each card account based on : ( 1 ) balance owed on revolving accounts too high ( 2 ) credit report shows judgement, tax lien, public record, or collection of accounts currently in use. 

I am slowly paying off my debt, yet during the covid crisis, CHASE decides to take such a drastic step, which is a major inconvenience. I have a XXXX Bank, two XXXX cards and a XXXX XXXX card, all responsible managed. Whats to stop these banks from closing my accounts? These banks should not be imposing such additional burden on those of us in the bottom 90 %, especially during this economic crisis. 

Please do what you can to help those of us in a similar situation to remain afloat during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: AMERICAN EXPRESS COMPANY
State: FL
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 opened a new credit account with American Express about two months ago, responding to an offer for " Interest Free Use and Balance Transfer '' until XXXX ( 18 months ). I processed a balance transfer and made a couple of purchases. When the statement arrived, there was interest charged. I contacted American Express immediately in XXXX. On XXXX XXXX, they admitted via message in writing that they had " a technical issue occurred at our end due to which all impacted card members ' accounts were charged interest erroneously '' but " our dedicated team is working on this known issue and account will be remediated ''. On XXXX XXXX, they wrote " We have now started taking corrective actions. '' and " You will see a credit of the interest charges issued in XXXX automatically. ". THIS HAS NOT HAPPENED. Unacceptable delay for a company of this stature. I have contacted them several times, and each time they acknowledge the error and promise to fix it, with no result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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:
In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, On XXXX XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information.

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.

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 2023-01-11
Company: Klarna AB
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector attempted to collect on a proven paid debt, debt collector could not provide a professional license ID Number, debt collector asked for sensitive information that was not necessary to continue the interaction. Debt collector acted rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts don't belong to me. please remove accounts : 1. Identity Theft 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 XXXX Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Pendrick Capital Partners Holding, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Answered two times and all u hear is breathing and then they hang up ... looked up the number and its a scammer..phone number is XXXX ... called XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a purchase on XXXX  for a game console. When I checked out, it told me I could make the payment with XXXX, a money transferring service that you could make through your bank. I made my payment through my Chase banking app for {$200.00} to the websites email. 

I received a confirmation email from the company, but the next day, their website was gone. I knew I got scammed. On XX/XX/XXXX, I called Chase customer service and was transferred to their claims department. I told them as much information as I could and they informed me that they would be contacting me through email, and the process should take around 10 business day. 

Its XX/XX/XXXX and I received no communications from them. I gave the claims department a call and they told me basically the same thing and that there were no updates. I expressed my concerns to the women whom I was on the phone with. I was aware and appreciative that they were doing everything they could but I also was very adamant with getting my money back, considering I used their service. She told me there was no guarantee that I would get my money back and XXXX does not have buyer protection. ( I wish I knew that! ) She rudely said to me, we did OUR job and you did authorize the transaction. Yes I did authorize the transaction expecting a product in return. Its clear that they dont want to deal with it though and all I was told was to keep calling back for updates. I learned my lesson but I really wish Chase would protect their customers when using their services. That didnt seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Returned purchase of 1. XXXX XXXX XXXX {$27.00} & XXXX. XXXX XXXX XXXX {$39.00}. These were returned XX/XX/22 through XXXX XXXX with an XXXX Code of XXXX, which was emailed to me on XX/XX/22. The store advised me to return the items through XXXX XXXX. I received the bill and the items and I'm still being charged. I call the store and was told to contact Comenity Bank. I called Comenity and was told to call the store. This has been going on since XX/XX/22. I was by both parties my concerns are being elevated and I will receive a call with a 7 days. The bank continues to call me. I tell them the issue and they can only adjust the fees. Today, I have not received a call regarding my complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently I looked on my credit report to my surprise. I saw a collection for XXXX, the phone company, in the amount of {$190.00} dollars. The collection agency is Enhance Recovery company. I have not heard from XXXX in over 2 years and as far as I know I did not owe XXXX any money. My bill was paid up. I called XXXX to find out why this accord. They could not tell me anything. They said the number I had given them belong to someone else. Also they could not find my name or any information. I decided to call the Collection Agency I ask them about it I said '', where is the statement about this bill because I never got XXXX. The man on the phone replied ', we got this bill from another collection agency in XXXX and the time to dispute it is over. '' According to him they were the third agency this was handed over to. I am upset because this is on my credit report and I had no knowledge of owing sprint anything. Also no one can tell me why I owe XXXX this money. This is not a good phone company in my opinion as a consumer. I am not the only one who has complained about them. I am waiting for a statement from the collection agency that I never got.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal Seller : XXXX XXXX XXXX Transaction # XXXX {$100.00} # XXXX {$100.00} Seller info : email and Cellphone # XXXX XXXX I contacted the seller and paypal and i open a case but paypal didnt approved my issue saying it wasnt an authorized deal or transaction. Seller promise me to send right away the item but never do it and never replied anymore. I just dont want this seller making scam or fraud to any fellow Americans Citizen just trying to purchased good from a scam seller. Hoping your good company will look into this even if its not a big thing deal issue. Thank you and XXXXbless you

Company response to consumer: Closed with explanation