BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For XXXX years chime bank has keep {$4400.00} give or take a few dollars of my .money have contacted them sent my ID ss card and all info that was asked they said they closed account because they could not verify the source the money came from but it was unemployment from the state on nc XXXX And they seen that also.have the emails back and forth still from them but they never help they have no number to call for this they say you have to do emails but they send same thing over and over and finally quit responding.they even closed my account on the XXXX of that month but then keep a deposit from irs that was made on the XXXX. They seem to do this to a lot of people and they get frustrated same as me so we give up.but I just seen with slot of other banks doing this who to contact.thank you fo your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
I have been request couple of times to remove unverified accounts from closed my account of my credit report with XXXX. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with XXXX, XXXX XXXX, XXXX  ) Please remove the following item as soon as possible entirely. 
JPMCB CARD -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-08-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express sent me a letter stating they had declined my application for credit. I had not applied to American Express. Someone is fraudulently using my data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my home back in XXXX. I left freedom mortgage. I am waiting for an escrow payment refund and I never received it. Then they told me that everything matched right to XXXX and I am not entitled to any escrow payment. There is no way it came to exactly 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 2018-03-03
Company: Westlake Services, LLC
State: SC
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 car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this  derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: MARINER FINANCE, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Mariner financial, did a hard inquiry on my XXXX credit report on XX/XX/2018 after I spoke with an agent and advised them that I did not want to refinance, because they would run a credit check and my husband and I are in the process of purchasing a new home and I received notification that there was a hard inquiry from Mariner Financial on XX/XX/2018. I have reached out to the credit bureau to have them remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I Applied for a loan modification and was approved but the interest rate stayed high at 4.25. Before i applied for a modification my interest rate was 3.75. What Ocwen did was offer a second loan and not charge interest on it but it will still be due at the end of the loan term. 

I am one of the affected home owners for the ocwen settlement and I demand that My Mortgage gets the proper loan credits that I am entitled to as per the settlement I am entitled to demand a permanent principal reduction of XXXX XXXX on my loan as a complete loan forgiveness. When I was under a review for modification my account escrow balance was changed several times and i filed several complaints back then. 

I demand under federal laws that my Loan gets credited XXXX as well as my Interest rate to be dropped as low as 2 % for the remaining term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT  XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS 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 explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: PA
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:
Since graduating from school in 2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

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 2023-04-15
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A deposit came through my account on Friday, XX/XX/XXXX to chime from my college XXXX university. Chime advertises that they do not hold money but chime received my deposit and they wont release it to my account and they dont do deposits on the weekends which intern cause me to deal with some issues in regards to my finances, I talked to a manager at Chime and he stated that they do not do deposits on the weekends. They advertise they dont hold peoples money but if a deposit comes through on a Friday night into Saturday morning, they will hold it till Monday and thats not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My morgage co increased my hazard insurance from XXXX to XXXX I'm on a fixed income do I have any recourse they also won't give me a declaration page from the insurance Co or the phone number to the insurance Co what ate my choices

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 2023-12-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am filing a complaint about Paypal 's negligence in managing a series of fraudulent transactions. 

For background, I have my XXXX checking account linked to my Paypal account, and XXXX fraudulent transactions were made out of my Paypal account, and credited to a bank account at XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$130.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$200.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XXXX parts -- Part XXXX on XX/XX/XXXX ) Debit out of my XXXX securities account for {$500.00} > into my Paypal account ( credited XX/XX/XXXX ). Part XXXX on XX/XX/XXXX ) Debit out of my paypal for {$500.00} > into XXXX ( account ending in XXXX ) ... .to be credited XX/XX/XXXX. I even told them on XX/XX/XXXX that the " fraudster/originator '' has already debited fraudulently twice before and they will certainly try to transfer the {$500.00} as soon as it comes in and to PLEASE STOP ALL PAYMENTS OUT OF MY ACCOUNT. And they told me " well, sir, you could transfer those funds back to XXXX before the fraudster does '' ... .and then recommended I setup XXXX authentication. They didn't understand that whoever this fraudster is has access been able to transfer funds out EVEN after I change my password, which means they have hacked my phone. It's the only way someone would be able to debit an account that way. 

I called XXXX so they could stop the payment ( and reverse the original XXXX payments ) and they said they could not help me because they would need the originator 's information ( bank account number full XXXX digits not just the last XXXX ). Paypal will not give me the information I already asked for. 

I also called XXXX and they washed their hands of any responsibility. I asked them to recall the funds with a letter of indemnity and they told me Paypal has to initiate any fraud investigation and resolve it. 

I then called PayPal XXXX to ask why they let another debit go out and to stop the payment ... and they said they couldn't. I asked ( via their message center on the PayPal app ) for them to claw back all three transactions, otherwise to give me the transaction information including bank account information so I can send it to XXXX, but have not responded to me with any information I requested and have not reached out to any of the other institutions to try to resolve the issue. They haven't even called me back to follow up on the matter, and have not responded to the messages I've sent through their message center. 

As of right now, there is a total of {$830.00} being fraudulently held at XXXX and no one is helping me. It's why I filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: NY
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 or about Experian credit report XXXX XXXX my Insurance company XXXX XXXX. paid off my totaled vehicle now the check was cash by the creditor XXXX XXXX onXX/XX/2020. I checked my credit because i have www.experian.com it informed me that i was ( 4. ) Months late with XXXX XXXX i was furious because not only was it four ( 4. ) months late but my credit dropped almost 50 points causing me problems getting a mortgage to purchase my house. Now i contacted Experian to no avail. I wrote them a certified letter they final removed it after call XXXX 's XXXX. Now here 's the problem they have not put back my score to were it should be this is very damaging because again there causing me problems to obtaining my mortgage. I have the evidence and documentations to prove everything im stating herein. 
Second cause for Action on or about XXXX XXXX I logged into my Experian report to find again another company namely XXXX XXXX is reporting late on my Experian credit report only mine you no of the other agencies are reporting this so i called XXXX XXXX they acknowledge that my payments are up to date and i never missed a payment for XXXX or XX/XX/2020 again i have bank statements to show proof of he XXXX XXXX payments being paid by my bank XXXX XXXX. Now lets keep in mind this has dropped my score again 48> Points in the negative for an incorrect late reporting by Experian I am going to sue Experian which is no question about that the suit will be for in the XXXX District Court of New York here in the amount of {$500000.00} for Damages, Pain and Suffering, Mental anguish, Deformation of Character, Destroying my credit rating score because this is an on going issue what they have been doing to me it wouldn't be so bad if they corrected it and put my score back to were it original way. But these are the little ''Nasty '' games there praying on people in a time like this which is a ''Pandemic '' is really really troubling. I am also going to file a FTC complaint and a Complaint with the XXXX XXXX XXXX asap.

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 2023-04-15
Company: Experian Information Solutions Inc.
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:
The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking XX/XX/2023 # XXXX # XXXX # XXXX XX/XX/2023 # XXXX # XXXX # XXXX # XXXX # XXXX XX/XX/2023 # 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 explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any of the credit inquiries. 
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 2022-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to contact Equifax in regards this unknown inquiries in my report and they suggested to contact each of those individual companies to fix the issue, the problem is since I did not made those hard inquiries, I can not get a hold of anyone. Below are the inquiries that I did not authorize. 

- 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My Cashapp account was closed due to something that was not disclosed. I have been trying to get ahold of support all day. The only sketchy thing that happened was two days ago when I put an order for one share of XXXX XXXX but cashapp crashed and ordered two without my approval. I depend on this account for my investments and was a week away from opening a buisness account with square for my freelancing work in which I also depend on cashapp for besides XXXX. I need this account for my day to day life. Today has been XXXX because of this. I have almost XXXX in that account and I cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX to deposit money into my chime bank account since it was free. I deposited {$330.00}. That was in XX/XX/XXXX at XXXX. As i drove home, i got a notification from chime. I assumed it was to tell me that my funds were deposited. Once i got home, i took a closer look at the notification. It stated that {$320.00} was sent via XXXX XXXX and my new balance was {$12.00}. It was very upset. I didnt make that transaction. Since it was Friday, i knew it would be Monday before i could start my dispute with them. On Sunday night, XX/XX/XXXX, i called chime because the transaction was posted. Upon calling and verifying my identity, they started by dispute and issued me another card. They told me to be on lookout for the decion via email and gave me step by step on how to upload my documents to support my claim on the app. I did just that. On Wednesday, XX/XX/XXXX at XXXX XXXX  i received a email from chime stating they were denying my claim and saw no error. I called them to make a rebuttal. On that same day, atXXXX XXXXXXXX  they sent me another email stating my claim was again denied. I called them again to get it escalated. They said someone would email me at the end of the day and i can speak to them about my concerns. I never received the email. I called again on XX/XX/XXXX. and got the same thing. Someone would email me, no problem. I never got the email. I contacted XXXX on XX/XX/XXXX at XXXX XXXX  to be on the safe side to mabe see if they could track it by the amount or something. I was desperate. They couldnt do it that way and they stated because XXXX XXXX is an authorized payment service ( using XXXX XXXX  ), they couldnt do anything anyway. That same day i tried to do another rebuttal with Chime. I updated the information and sent it to the claims team. I was again denied at XXXX.

Company response to consumer: Closed with explanation