BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXX XXXX  made out to me on XX/XX/XXXX. I was told the funds would be available on XX/XX/XXXX. On XX/XX/XXXX I was told the check was accepted. The funds were never made available. 

When I inquired I was told that the check was rejected because it wasnt in a format the bank accepts. They wouldnt give me any other information beyond that. 

This was a bank check drawn on XXXX XXXX. 

This appears to be a violation of federal law and the rules of the federal reserve. 

Ill deposit the check in a real bank, but Id like an explanation of why they can break the rules and waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.

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 2022-11-09
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: Information belongs to someone else

Complaint:
I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Customer service is the worst ever. I opened an account with CareCredit through my XXXX office. Who immediately charged my bill to them. I got a receipt with the last 4 digits of this new account. XXXX did not send me an email or anything with my account number and within an hour I tried to call and cancel. They did not want to speak to me without an account number. I spent the 2 hours trying to get through to customer service and when I finally did they said they would have to transferred me to another department only to wait yet again for an hour. Then when I did get through they said they couldn't send me an email either confirming my account existed or to cancel this account. Then I asked for the person name to write down along with the date I cancelled but they said they couldn't give me their name either. This smells like a scam to me. They did not want to give me any confirmation either on my newly opened account or on the cancellation of this account an hour later. I am still not sure what is going on and can't get any good answers.

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 2020-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently was attempting to get a mortgage for a home. And I checked my credit report and notice the I had a false collection account totaling the debt of {$410.00}. This debt is not mine. I never has an agreement of contract with this company. I tried calling this company and was hung up on multiple times. I also sent letters to this company stating this debt isn't mine. I need this collection account removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Velocity Investment is try misrepresent themselves has as XXXX XXXX in a law suit against me. I have found that the are not associated with XXXX XXXX. The are saying I owe {$20000.00} dollars from a depth they purchased. I never owed them XXXX XXXX {$20000.00} either, due me surrendering the car 6 years ago. Velocity couldnt even provide information on what this debt was for except it was from 2015. The statue of limitations in Texas is 4 years, the claims are over that. The have never velocity investments has never communicated with until send a notice for a law suit.

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I had my wallet pick pocketed from me. I had thought it was only misplaced or lost at the time, so didn't cancel my cards until a week later which ended up being a big mistake. I thought nothing of it until XX/XX/2022 when I noticed a large transaction at XXXX ( A grocery store ) for {$3300.00} on my Debit card on XX/XX/2022. I surmise that the products purchased were a great amount of gift cards, and I can't understand why that doesn't trigger any red flags. Nor why the thief didn't have to use my pin for my debit card. 

I immediately filed a fraudulent Debit card claim with Bank of America, which was quickly denied due to their assumption that the spender was " an authorized user on this account ''. This was obviously not the case, so I called their fraud department hotline to give them additional details and reopening the claim, which was shortly denied again for the exact same reason. 

I then figured BOFA wasn't going to do anything about this, so I filed a police report. The case number is XXXX for the XXXX XXXX Police Department. There is currently a subpoena for the XXXX to pull their tapes and provide video evidence that the spender was not me, but it has already been over 4 months and I highly doubt that any timely progress is going to be made. 

This is no small amount of money, and it's frankly ridiculous that someone can look at this transaction for thousands of dollars at a GROCERY STORE and think yup this looks legit. Anyway I attached the police report for review. 

Thank you for your time, and I look forward to hearing from 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 2022-08-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
We took a cruise on celebrity cruise lines and had a back to back and they gave me a XXXX test the day before the second cruise was supposed to begin on the ship and told me I had XXXX even though they sent a doctor in and I showed no signs of XXXX and he wouldnt give me another test saying that its like a XXXX test once youre positive youre always positive. After they a banded us on XXXX XXXX I called visa Credit card that is with truest bank and filed a dispute with them because on the ship they wouldnt give me a credit until they said the manifest is ending so at the end of the second cruise. I called celebrity cruise lines at least a dozen times trying to resolve this but to no avail. I kept calling truest banks dispute department and they told me that they have not gotten any response from the merchant and then on XX/XX/XXXX they said they have not heard any response so they are giving us restitution and that the credit that they provided to us would stay on our bill so I checked my bill in XXXX and nothing was on it as it was resolved so we went on vacation and came back to three letters stating that they finally talk to them and told them that I canceled the cruise which is a LIE.. and since I didnt send in a response to those letters from the dispute department at truest bank asking me if I knew celebrity cruises cancellation policy which is not what I disputed back on XX/XX/XXXX when I filed a complaint with TRUIST dispute department for the visa bill. We were disputing that they kicked us off the boat and I was supposed to get her a full refund +2 days of isolation as thats what they told me a customer relations on celebrity cruises ship. So then The dispute department at truest bank reversed the credit and gave me a debit for the amount of {$3100.00} and some change. I am mediately filed another dispute disputing the first charge plus the reverse of the second credit reversal charge and was told by a lady named XXXX that it would be reopened and only found out yesterday on XX/XX/XXXX that it was never Reopened again meanwhile I took it upon myself to text celebrity cruises and tell them that they still owe me a refund and they did it show me one for {$2200.00}. on XX/XX/XXXX. I mean really am I supposed to be doing the work of the visa TRUIST dispute department. Im still do money and it seems like no one TRUIST wants to help me in either the dispute department or upper management. Please get back with me I hope that you can find in your heart to resolve this situation for us

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 2022-08-31
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recall having a " XXXX XXXX XXXX XXXX  XXXX XXXX '' credit card at any time. I'm guessing someone else took out an offer in my name or activated one of those promotional cards that came in the mail. I have already disputed this with the credit bureaus and got nowhere. I asked them to prove that I opened/used the card... nothing. All of my cards are XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-31
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took student loans to attend XXXX XXXX, in which later I refinanced with XXXX because I could not afford monthy payments. XXXX has a law suit for fraudulent claims. I then refinanced again with XXXX because of high interest rates and now I do not qualify for any loan forgiveness which I was not aware, that I would be giving up so much help with student debt. I now have contract with XXXX, and make payments to Mohela, which is confusing. People who attended college, refinanced with XXXX received forgiveness and now I am with XXXX I don't get anything. Is there any hope for me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Plaza Home Mortgage ( XXXX ) has failed to pay my property taxes in XX/XX/XXXX for the XX/XX/XXXX Tax Year from an escrow account. Countless phone calls have still not resolved the issue and a tax lien has been placed on my home, as the staff continues to falsely claim issue is being worked on. Even today, XX/XX/XXXX, Plaza Home Mortgage has not resolved this issue and are continuing delay, causing additional penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a perfect history with Citi Bank for several years. I never missed a payment nor did I ever have a returned payment. The company says they closed my account due to a drop in my credit score. Never did anyone ask why, but I'm curious because my XXXX XXXX, XXXX XXXX XXXX, and various other store cards didn't close my accounts. I understand Citi closed my accounts due to their own terms, but they kept almost {$1900.00} of cash rewards they I fairly earned over the year. 

They canceled my cards because of a credit score drop and stole my legally earned credit rewards. I want my credit card rewards valued at almost {$1900.00}, this is a straight and simple theft.

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 2022-08-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX reference # 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 an account without my written instructions.

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 2021-04-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally contacted my mortgage company PennyMac XX/XX/2021 regarding a refinancing of my current mortgage. I have had my home for 10 years and wanted to refinance the remaining 20 years of my mortgage. 

I was told based on my credit score I was eligible for a 2.25 % re-fi FHA and closing costs would be approximately {$500.00}. 

Each time they requested documents I had to supply them within 24-48 hours and I complied even though the requests were made late on Thursday nights. 

Aside from the requests for information there was little communication with them. When the process was approaching 60 days I requested an update several times wanting to know why it was taking so long and no response was received. On XX/XX/2021 I received information that they had identified {$900.00} in my checking account for closing costs and another {$250.00} was needed. When I questioned what the closing costs were really based on because it did not seem right to be based on my available funds no response or explanation was given. Nor did anyone respond with an explanation as to why the process was taking so long. XX/XX/2021 I received an email that indicated there was information needed on my account. When I logged in there was a document request dated for XX/XX/2021 stating {$900.00} had been identified as available for closing and an additional {$600.00} was now needed. How does this happen? Why did the closing costs go up? Why the different dates going backwards on the request? Still no explanation as to why the closing costs were much higher than stated or why the process was nearing 90 days. I had been with this company for many years and never late on a payment. There was no pending inspection or appraisal but no one would answer my questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ended service with cable company XXXX. Returned equipment and have receipt confirming return, received bill claiming equipment not returned. Attempted to resolve with XXXX  multiple times and then discovered debt collection services had been initiated via an alert on my credit report. Contacted debt collection company advising no written notification ever provided nor any actual notice of the alleged debt, when contacted collector refused to provide any avenue for resolution and instead demanded payment. Now my credit report has been impacted significantly all over a debt that is not owed with proof of return of equipment which is the sole basis of the alleged debt. When advised collection company of failure to provide notice or make any attempt to confirm ( let alone resolve ) debt claiming the only avenue for resolution is payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is information on my credit report that is result of identity theft. I did not provided written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

date open is XX/XX/2014 bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: MO
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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