BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Chime Financial Inc
State: MS
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX after XXXX my chime account was hacked and i immediately called chime i was furious XXXX was stolen chime told me that i needed to wait 7 to 10 business days for it to finish pending. Once finished i disputed the transaction and still chime did nothing but blame it on me and provided a unsatisfactory report of their findings accused me of being a frequent XXXX XXXX user and a multiple disputer which doesnt matter chime has had errors with me in the past and yet i stuck with them it has put me and my children in a very financial hardship. I also contacted XXXX XXXX and they explained how it happened chime wont take responsibility for this and i need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: National Credit Systems,Inc.
State: OK
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 creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: EMCC Holdings, LLC
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:
My name is XXXX XXXX and XXXX  is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I found out, on XXXX/XXXX/XXXX upon entering the bank because the my App on XXXX would not update and an account ( which a bank rep told me to close over 5 years ago because of costly fees for transfers to pay down my HELOC was costing too much money to transfer in fees?! ) There was an overdraft of {$8.00} on an account I thought the Fraud Department should have noticed as I never used because I thought the bank Representative closed it??? I was shown my account on the computer & I saw {$2300.00} ++ {$100.00} 's a day transferred into my checking account but suddenly It disappeared AGAIN which I NEVER SAW BEFORE THEN? I called mobile phone # & lady said, " ... the check was from a XXXX XXXX claim you made for water and sewage damage.. '' I did NOT make any such claim?! I sat in the XXXX XXXX 's office to see if they got any reports they settled on my behalf for which I received settlement check on XXXX XXXX or anything in XXXX!? ... after over an hour the lady saw NO such claim as I knew. I apparently have a hacker or something because there are many fraudulent charges i.e. I do NOT go to XXXX every on the day PLUS NEVER MORE THAN ONCE a day ( may be on a few occasions 2 times ) The hackr is still using my information and me stopped using my card except when absolutely necessary. I reported it to the XXXX police and the bank 's reps and fraud department and it has been since XXXX and ongoing ... The bank DID acknowledge and in XXXX refunded me {$78.00} but the rep who said he closed the account yelled at me ( causing the guard to check if I was OK ) because he said, " ... I hate myself sometimes ... '' I never gave my PIN # out and never give it away and it was not stolen. He DID cancel over 5 cards and purchases were even made while I was en route to the airport on XXXX XXXX, XXXX. I informed everyone that all I could think of that in XXXX, I trusted my daughter 's boyfriend to fix my crashed desktop and my daughter thought he could fix but after a week and alll my information up to his 56 '' screen when I brought it home it was still crashed?! Aso, someone stole ( more recently ) my XXXX XXXX, on XXXX XXXX, XXXX and I went to proper authorities for 2 bank accounts that somehow withdrew money from one account in excess of {$15000.00} it has been way too long to put it back in the bank. Am I ever going to get my {$18000.00} and {$5000.00} from separate banks -- back?! I have worked long and hard but I have been told I will never get it back ( by some business people ) ... I made the mistake of trusting the bank and not balancing my checking accounts as I once did and should never have let anyone have access to steal my phone - the hand is quicker than the eye- I learned!!! Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Southwest Credit Systems, L.P.
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:
Acct reporting negative open in collections Account has been paid off in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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 fraud alerts or security freezes

Complaint:
I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO 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 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
On or about XX/XX/2021 XXXXapitol One credit card telephoned me and asked if I applied for a Capitol Card on-line with them? I said " No, I already have a card with you. '' They acknowledged my open account and denied the online application. They also suggested I contact the 3 credit reporting bureaus and the Federal trade Commission to file a report. 

A couple of months ago someone applied for unemployment benefits with the Oregon Unemployment Division in my name too. I had received a written request from the Oregon Unemployment Division for additional information via mail. I did file an on-line form with them stating I did not apply for any unemployment benefits. 

I have not applied for any credit cards, services or other loans except when I refinanced my home earlier this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While I was in XXXX, I ordered cable and Internet services with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I received XXXX XXXX and transferred to my new XXXX XXXX at XXXX XXXX VA since I work for the XXXX  XXXX XXXX as an XXXX XXXX. I requested from XXXX for the Services to be transferred from XXXX to XXXX VA. The customer service representative advised me to keep the equipment until I moved to my new residence. After moving, I called to setup service at my new residence in XXXX VA but quickly discovered that XXXX doesnt service the area. So I had to cancel the service and returned all of the equipment. The XXXX representative confirmed that services couldnt be offered at my new residence and informed me that the early termination fee would be waived on my final bill. After receiving the final bill, I paid everything but the {$250.00} early termination fee that was supposed to have been credited. XXXX applied my payment to the early termination fee on the final bill instead of the amount owed for cable and internet services at previous residence in XXXX during last part of the billing cycle in XX/XX/XXXX. Then to add insult to injury, XXXX referred my account to a debt collection agency SW Credit Systems LP even though the account was in fact paid in full. SW Credit Systems LP has been calling me day and night to collect for a debt that I dont even owe and to make matters worse, they reported the bogus debt to the three credit reporting agencies which caused my security clearance with the XXXX  XXXX XXXX to be suspended. Ive called XXXX numerous times and I was told that they would contact SW Credit Systems LP to resolve the matter and get them to remove the derogatory mark on my credit report so that my security clearance can be restored. Ive also requested from SW Credit Systems LP to remove the unjustified derogatory mark from my credit report and each time they refused. In the meantime, I can not work my normal job without a security clearance. Ive sustained damages well over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is pertaining to a violation of the Fair Credit Act. We have contacted Experian providing them with Cease and desist letters and informing them of fraudulent accounts. I would like to file a formal complaint of their non compliance. They updated the accounts you see below as accurate with out providing us origination documents to support their verification efforts there fore we are requesting removal of these accounts. 

Disputed accounts include ; 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 2018-11-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I reached out to the Department of Education requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the Department of Education I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus

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 2018-02-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing acquired my loan from another lender and the amount they claimed I owed was incorrect. I contacted them on numerous occasions to get this matter corrected but they insisted that their numbers were correct and proceeded to foreclose on my property. I filed complaints against them in court and they wrongfully foreclosed on the property in 2016. I am still living in the property due to court filings. I hired a legal consultant " XXXX XXXX XXXX XXXX '' in XXXX Ga to assist me with purchasing my property back from the Ocwen, but the attorneys for Ocwen refused to submit my offer to the bank, because they want to drag it out in court -- in a effort to get more legal fees. 

Additionally, I offered the full market value for the property along with a purchase contract and pre-approval letter. I am asking for assistance from your agency because I am being discriminated against and they are trying to take my home, that rightfully belongs to me. Ocwen has a checked past when it comes to wrongful foreclosures, after they acquire it from other lenders. Please see attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: R & B Corporation of Virginia
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled and returned my cable equipment received a receipt. I have been so frustrated getting nowhere with XXXX XXXX. Can you help? 

Below is who has the debt now Credit Control Corporation, XXXX XXXX XXXX, XXXX XXXX, VA XXXX I have never had a good experience with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a victim of identity theft. I disputed " membership '' charges as well as credit card charges for two credit card accounts that were fraudulently associated to me. I have no knowledge of the transactions, and can attest to the fact that I did not apply for nor use any credit given to me by Navy Federal Credit Union. 

They have failed to provide me with any proof that I ever opened any accounts with them. They have further failed to provide me any details as to how they came to the erroneous conclusion that I am responsible for the transactions that occurred. 

I have provided them with a police report and multiple dispute letters. 


Please advise on how you can assist me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company calling themselves XXXXXXXX XXXX at XXXX is threatening to serve my husband at work and sue us for a debt that we paid many years ago. Original creditor was XXXX XXXX and our account is paid in full. This is the second time this same fake debt has attempted to be collected using threatening tactics. They are calling my husband, me, and my father in law with these threats.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
account was included in BK account is being reported past due and with balance which is a violation under FCRA account is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 @ XXXX XXXX. two deposits into a hsbc premier checking account in the amount of {$380000.00} these deposits were processed and supposedly deposited into my account. I called hsbc and asked them whats going on and they told me Somehow there was no record of those transactions and that they never existed I have proof that their misinforming me and misleading me. Im confused and I just want understanding and to be redressed. Refer to the pictures and ask them if they have record of those two transactions their going to say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Experian has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, XXXX, and Experian to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUnion, and XXXX has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, TrasUnion, and XXXX to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

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 2019-01-11
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Because SunTrust bank has repeatedly under managed our escrow account for home insurance we selected a new home insurance company and paid our annual home insurance premium in advance in XX/XX/XXXX. 
During XXXX and XX/XX/XXXX we repeatedly advised the bank of our action and requested they close the escrow account, refund any escrow balance, and stop collecting insurance payments. 
The Loan Officer said we needed to contact the Insurance department and the insurance department said we needed to contact the Loan Officer. 
We did what they said and provided proof of the insurance policy, its coverage ( in excess of the loan amount ) and showing the bank as designated mortgagee. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX requesting us to cancel the insurance policy and deposit any refund into escrow. 
We want the bank to close the insurance portion of the escrow account, refund any escrow amount for insurance and stop charging form insurance amounts.

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 2020-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Was contacted by freedom mortgage to complete a streamline refinance. Was assured there would be zero fees associated with the process ( several emails assuring this ). First documents that were sent had incorrect payment amount-and had closing fees tacked onto loan. Emailed representative back and he stated he would reach out to the processor to get fixed. New representative stated there was an issue with CAIVRS and could not complete loan. Called previous representative who did not know why this was being communicated to us as it was incorrect information. Reached out to HUD and was told there was no issue and no alerts were showing. Called representative back and he stated he had not spoken with the processor. Asked if he had called And spoken with loan processor and he said no and that he had emailed. Asked if he could call and he said his supervisor could. Asked to speak to supervisor and was told he was busy. Received another email from Loan processor stating application was incomplete because of the cavir alert.

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