BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I opened an online checking/savings account with Chime Bank. In the next few days I deposited around {$1700.00} into these accounts through a bank transfer from My XXXX XXXX account and from a few XXXX XXXX transfers. On XX/XX/XXXX I tried to check my accounts via my phone app, and was notified my account had been suspended. I immediately called customer support. I was told they could not give me any info on why my account had been suspended for security reasons, and I must email XXXX I emailed XXXX on XX/XX/XXXX asking what was needed to un-suspend my account. I received an email back asking me to send valid ID and proof of residency. I emailed back a picture of my drivers license, my passport, and the property tax bill for my home showing I own it. On XX/XX/XXXX I sent a follow up email asking for confirmation the Identification I had submitted was acceptable or what more was needed to allow me to access my funds. I never received a reply. I sent more follow up emails on XX/XX/XXXX. XXXX XXXX and XX/XX/XXXX asking to please let me know what I need to do to get access to my accounts, and I still have never received a response back from them. They have left me locked out of my hard earned money for well over a month now with no explanation, and will not respond to me to let me know how to fix my account, and regain access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/18 I opened an account online with Chase and deposited {$25.00} in the account. They allowed me to sign up for online banking, overdraft protection, order a debit card, and so on. I go to log into the app today and tells me the account is restricted. I then call the bank and ask what is going on and they say they have nothing they can tell me aside from the fact the account is being closed. I then asked what of the {$25.00} I put into the new account and they then tell me that not only will I have to wait 7-10 days after the account was opened and then closed that I would have to wait an additional 7-10 days to get a check from them. I asked them they received the money electronically why can't they send it back the same way and they had no answer to that. The bank is in essence hiding something and believes that they do not have to disclose that to customers in the least. I want to know the exact reason the account couldn't be opened and I want my money back immediately. I asked the representative if it was {$2500.00} would I have to wait as well and she said yes. There is no way the bank should be able make money off of me or anyone by sitting on funds whilst refusing to return them in a quick way including the same way they received the funds which is electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank XXXX been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information 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 2021-08-20
Company: T.S. Holdings
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2017-09-29
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: Account information incorrect

Complaint:
The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( XXXX ) below are not mines.
View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3000.00} Needs Attention

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 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I set up the direct pay account so long ago, I can not remember what it was for. Every pay period {$25.00} dollars went to this account for years. Today when I tried to get information on this account, there was no phone number. Just the routing number, account number, and the name of the Bank. It says Bank Of America, XXXX XXXX XXXX XXXX XXXX Mo. XXXX. The Routing number # XXXX and account # XXXX. I tried calling XXXX to no avail. I also tried XXXX to no avail, as I got the second number from an on line search and a second address of XXXX XXXX XXXX XXXX VA XXXX. 

I cancelled the direct deposit with my payroll office XXXX XXXX and XXXX XXXX ( XXXX ) XXXX as of today. 

I've been scammed and cheated. 

I went directly to a Bank Of America bank at XXXX XXXX XXXX XXXX XXXX Maryland, and a teller and banker told me that it is not their account and not their routing number. I thought, how odd because the routing number comes up as Bank Of America. So now the question is, where is my money going and how do I recover all the previous deposits? Whatever you can do to help would be greatly appreciated. Thank 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 2022-01-05
Company: PENTAGON FEDERAL CREDIT UNION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Back in XXXX I refinanced my auto loan on my XXXX XXXX XXXX XXXX through Penfed Credit Union. As part of my refinancing process, my previous lender sent the title to Penfed Credit Union. From my interactions with Penfed credit union, my loan process was complete and started paying my loan. Out of nowhere I get a letter from PenFed credit union dated XX/XX/XXXX, that I failed to provide collateral for my loan so my rate was increased from 1.9 % to 14 %. I contacted PenFed and their representative said that they could not find my title information anymore so my rate increased even though I did not do anything wrong. Penfed never reached out to me to say there was an issue with my loan in the six months prior to this letter. Now on two occasions I have had XXXX XXXX XXXX send over the information and PenFed continues not getting or finding the information. 

The reps will not provide any alternate solutions and keep saying that I have to request a duplicate title from the Rhode Island XXXX. In Rhode Island, only the holder of the loan can request it which I have explained to them. They say they will not request the title as I am the car owner.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$8000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} /

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 2022-04-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The credit companies are not complying with their own policies in a timely manner.

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 2017-09-29
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX, I was admitted to XXXX XXXX to receive treatment for XXXX. I had to visit the ER 3 times, and not once did anyone tell me that my insurance was covered. When I talked to my father about it all, he said that he took care of it all and that he paid it. I am a XXXX XXXX XXXX  XXXX so money already is n't very common for me. XXXX of XXXX I noticed that my credit had gone down by 200 points, only to find out I had all of these unpaid XXXX bills that my father said were taken care of. I did n't know that these bills existed, and no one told me anything about being able to dispute it either. I feel as if It should be settled, because I am still a XXXX XXXX XXXX in school, struggling to make rent, because of all of this nonsense I had no Idea about in the first place. IC Systems called me for the first time in XXXX and that was the only time I learned that I had these things against 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 2022-04-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit 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 2021-12-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Citi XXXX XXXX application ID XXXX was not approved because they couldn't verify some information. I called Citibank to verify what ever the problem is. No one was able to tell me anything and continue to past me from departments to departments until I was disconnected. I do believe I have been discriminated against.

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 2017-09-29
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Netspend completely lock me out of my prepaid card account. I have had a few deposits and refunds sent to the card not knowing I could be revoked access to my prepaid card account and any deposits that where sent to the debit card also.

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 2021-05-09
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The person claimed to be the owner of a house that I was interested in leasing. They instructed me to send security deposit to ensure I was serious about renting the house using XXXX payment service. They instructed to send {$950.00} to the email address XXXX using the name XXXX XXXX. I had issues sending payment so I requested their bank information in order to deposit a check. The banking information they gave was XXXX XXXX at chase bank with the above routing and account numbers. I ended up getting the XXXX payment to work, so I sent it that way. They promised to send a lease and proof of ownership the same daywhile they sent a lease, it is entirely fake and they were unable to prove ownership of the house. The receipt sent for the security deposit listed the following vacant address : XXXX XXXX XXXX, XXXX, XXXX, Florida, XXXXWhen I pointed this out they stopped responding to all calls and messages. Another number found was ( XXXX ) XXXX Bank Info : Bank Name : XXXX Bank Account Name : XXXX XXXX Routing Number : XXXX Account Number : 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 2017-09-29
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:
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

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 2019-01-03
Company: DISCOVER BANK
State: MI
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:
On XXXX  i had made a purchase for two stainless steel automatic watches. They were apparently custom watches of highest quality which were made to look like XXXX style watches. I had ordered them and paid {$1300.00} using my Discover credit card. I received a package from XXXX which either way only contained ONE watch and not two that i ordered so that issue number 1. 

With the watch i did receive, it was nothing like what was shown in the images and it was a cheap XXXX  branded fake that i think anyone with any type of eye sight could see. I did NOT order a XXXX   or replica watch. 

XXXX sided in my favor but for some reason did not refund my money, i forwarded this to Discover but they did not care. They also did not care about receiving only ONE of the TWO watches i ordered and still insist in charging me {$1300.00} and saying the charge is valid. The seller responded by saying he did not sell a counterfeit XXXX  but a XXXX  XXXX but if you search online ... a XXXX  XXXX is a high quality counterfeit XXXX. I had reported the listing and seller which was removed and they banned the seller from XXXX  YET discover still believes the charge was valid though i only receive one of the two watches i ordered and provided them pictures of the counterfeit product which i would say its illegal for them to say this counterfeit product is a valid charge. 

i offered to file a police report and they still did not care. They are saying i did NOT return the product but thats due to XXXX  not asking me to return anything. PLUS it is illegal to use the united states postal service to mail counterfeit products especially overseas. 

i was not told by anyone to mail anything back nor did the seller request this single watch back. They said i received a empty box in the report when i clearly sent pictures of the single counterfeit XXXX replica i received. 

The seller is a liar from a foreign country that is clearly committing fraud and looks like Discover is encouraging it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Opened a credit card in XXXX is XXXX with Wells Fargo with a banker. They said the stated to call back to increase my credit limit. I then contacted Wells Fargo in XX/XX/XXXX, they said in order to increase my credit limit and intro offer, I needed to close my other credit cards to increase my credit line. I closed my other cards and for over a month couldnt use the card as intended with the advertised offer of 0 % for 18 months. I escalated to their executive team and have been given the run around and no clear understanding of why they allowed their bankers to give me misinformation.

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 2022-04-27
Company: AMERICAN HONDA FINANCE CORP
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX. I have late 30 days late payment from American Honda financing on XX/XX/XXXX on XX/XX/XXXX. Do to covid -19 I ask for to delete this late payment on my credit bureau. I also send out good will letter to them and later i got the letter from them saying they can not delete this information. They are the one who told me if i use covid19 as reason they will consider this matter and delete this information. 

Account # XXXX Account Name : American Honda financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Experian Information Solutions 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:
Experian need to remove my Bk off my credit 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 explanation
Consumer complaint received 2017-09-29
Company: CITIBANK, N.A.
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:
1. CBNA 2. 2nd XXXX XXXX XXXX To whom it may concern I believe these inquiries are due to the XXXX breach and they we 're made without my consent. 
I would like to know what application are you talking about sir. I am unaware of any applications you 're talking about. Did n't sign up for nothing is what I 'm saying to you and you 're basically accusing me of being a part of a Costco account. No I do n't know what Costco is and I do n't appreciate you accusing me. If i 'm not aware of something you ca n't force anything to be mine. That is down right ridiculous and no I did n't sign up for any credit cards. I do n't need to do so I 'm debt free and want to remain that way. So I 'm asking you to stop accusing me. It is a fraudulent inquiry and it is to be removed immediately because it violates the law in FCRA section 609.

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 2020-02-24
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a letter in the mail from Convergent Outsourcing , Inc. for a reduced balance amount. Creditor listed as XXXX XXXX XXXX, XXXX. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called Convergent and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.

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