BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The chime Bank close my account without warning on the XXXX of XXXX right before my SSI XXXX XXXX  got direct deposited into my account and I didn't know anything about it being closed until the XXXX right on that day and they said it's because of something to do with my direct deposit and now they are hanging on to my check instead of sending it back to SSI so they can send it to me so I can have my XXXX XXXX to pay my rent and my housing cost and now it's going to cause me to be kicked out of my apartment and be homeless cuz I don't have no money and I have no way of getting any money that's all I had to keep me going for the month and to pay my bills now they're trying to say it's going to take a month just for me to get my money through them and I thought it was illegal for them to keep the deposit that come into their Bank especially when it when it's closed bank account and they're supposed to be turning it automatically to the persons that send it to them which is SSI and not hold on to it and I told him I need my money right away so I can get my rent paid and all that and they said well sorry about other inconvenience this and that and they don't care now I'm going to be homeless and I don't know what to do about getting my money or getting money to pay my rent and and the stuff that I need for my for my place I can't even get any toilet paper then on anything else cuz of what they're doing to me and everybody is going through that that has SSI XXXX XXXXs or Social Security checks I strongly suggest don't go to this Bank especially when they close you out without any warning whatsoever and I hang on your money and makes it so you can't even pay your own rent at your bills that's not right to us people that are XXXX and very heavy money to start out with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are numerous hard inquiries posting on my credit report for which are inaccurate and not authorized by me. According to consumer law, any unauthorized activity must be investigated. The following inquiries need to be removed from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
From XX/XX/2014 through XX/XX/2014, XXXX is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from 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 2020-07-14
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
Dear, Im XXXX XXXX vet, on XXXX XXXX I purchased {$220.00} groceries of {$67.00} of sea food unfortunately they were expired on XX/XX/XXXX, the Tag shows sell by XXXX XX/XX/XXXX, on XX/XX/XXXX, i called the merchant XXXX XXXX XXXX XXXX and explained the situation I was told to bring the receipt and tag for refund also I told them I live 34 miles away and usually I shop once a month they said no problem we are very sorry and they will remove other expired sea food on shelves on XXXX XXXX I went there to get refund and shop but other manager stated no refund we dont refund after driving additional 68 miles, so I called XXXX Again he said if I FILE DISPUTE I will get my money back, So i filled dispute with PenFed about the charge {$220.00} a week later PenFed denied It without sending it to the merchant and no reason given so I called Penfed on XX/XX/XXXX spoke with XXXX XXXX she said they are so busy thats why they denied it but i will send an email to them to reopened and on XX/XX/XXXX after calling I was told my Dispute is not going to open but send email to card service maybe they reopened and get your money back, this is unethical and wrong since the merger PenFed service are in declined the dispute processes are different and not logical if they send my dispute I will get my money back. 
Thanks

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 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 Ordered a hoodie that ended up being {$99.00} with shipping and tax after ordering it I conformation email from XXXX confirming my order # XXXX or the hoodie I wanted. I then recived an email that my order was being perpared and would be shipping soon. Once the package arrived at my door I discovered it was not the hooide I ordered and they didnt sen me it becuase of a " Website Malfunction ''. I was never given the oppurtunity to cancel or opt out of my order becuase I woul dbe reciving something I didnt order, or want. I then contacted the merchant to see if they could do anything but they informed me that they didnt do refunds or exchanges. I feel like this is wring because I ordered something, got a conformation of that product, was then shipped another product without the chacne to opt out of my order, then was told that they couldnt do anyhting. The hooide was {$85.00} before tax and shipping.

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 2017-12-15
Company: COAST PROFESSIONAL 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:
I attended the UNIVERSITY XXXX XXXX XXXX at the beginning of the school year, but had to withdraw due to medical issues. XXXX places a debt in my name to the collection agency COAST PROFESSIONAL INC. COAST PROFESSIONAL INC placed the debt on my credit reports.After reviewing and getting to the bottom of everything the school figured that I do not owe the fees that are on my reports and contacted COAST PROFESSIONAL telling hem to cancel the account due to a medical withdrawal and XXXX balance. However COAST PROFESSIONAL have yet to remove it. tried contacting this company but have been getting the run around and told different things. They said that they cant get me any info as to whether they have contacted the credit bureaus or not. They stated that they were indeed contacted by the school, but need to verify more info. Im not sure what more they need to verify if the school gave them the info that they need to have it taken off of my credit files. They also said that the account is closed with them but yet to remove the info off of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: VA
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:
On XXXX, 2021 I mailed in a full XXXX XXXX Compliant Challenge Complaint on the credit profile under my name that is listed with the Credit Reporting Agency. I did not receive any response to my Challenge from the Agency and it has been over the allotted 30 day investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 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 non-monetary relief
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've been having issues with Navient for years. They are very rude and condescending when they're talking to me. I had an issue once with it stated on my account that I had a past due amount but had been making auto-payments- they had the incorrect date on their end of the due date and when they were taking the payment, so they were calling them late- not my fault. 

Six months ago I called with issues with making payments. I had been unemployed and had to move across country for a job opportunity. They said there was nothing they could do- I also had complained that my payment was never the same every month and they lied and said it was. I had my account open in front of me showing different amounts taken from my account every month- again the agent lied. I told them to un-enroll me that I would make payments on my own. He assured me that it had occurred but the payment was still taken out of my account that moment. 

I forcibly through my bank stopped the payments from that point and did not make payments, as I could not afford them and the company was not willing to help me. Today, they called me and I again were so rude I asked to speak to the manager. The agent literally said to me " you have a job and the payment is {$180.00}, I don't understand '' When I explained that was too high for me he again said {$180.00} as if it was insignificant. The manager he finally transferred me to was just as rude but a bit calmer so I attempted to work something out with him. It's still not ideal but Idk what else to do. 

This company needs to be reported for the treatment of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
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:
XXXXAMERISAVE MORTGAGE CORP has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: OH
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:
All XXXX items are errors without consent.

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 2020-09-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY THIRD COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: MO
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 recently received a copy of my credit report that Equifax publish and after reviewing it I found an item in question and have disput ed US Pr obation-  XXXX / XXXX / 16 . In which Equifax is still reporting this disputed unverified account on my credit report. They have also failed to send me copies of documents they have on file as of this date that was used to verify the accuracy of the disputed inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a active bankruptcy making payments to a trustee for arrearage mortgage payments as well as sending monthly payments to the mortgage company. I have tried many times to obtain a loan modification to help lower the interest and payments and Ocwen has always told me they never received my application with the required documents. Today I received a very alarming mortgage statement that indicates they are placing my payments in " unapplied funds '' account. A while back they indicated to the courts I had not been making payments and I had to bring an entire years worth of bank statements to the bankruptcy judge to prove differently. When I see this, I feel like they are going to pull the same trick and claim I am not making payments and I am not sure as to why they are placing my payments in such an account. My payments should be going towards a current mortgage payment and not in a unapplied account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: OH
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 tenth 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my TransUnion account should be frozen.

I am attaching screen shots of my transunion and XXXX report. Per transunion you will see if is showing 2 hard inquiries. Per XXXX you will see 1.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00}

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 2022-12-06
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the XXXX Credit Bureaus last XXXX to update this suspicious information. While I'm grateful for your actions but there are still remaining items that need validation, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation