BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Chime Financial Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a Chime Debit card and have no knowledge of opening an account with them. Looking up similar cases have been found to be either someone using stolen identity or the company using it as an advertisement bait to open an account. People have said they require your personal details and last four of SSN to apparently close the account but I am hesitant. Other people said to file a report on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a CITI credit card and I was paying at least the minimum charge via a transfer from another Bank. 

Last month I was informed that my card was cancelled, they would not tell me the reason until I received a letter in the mail, that said that they had tried to retrieve the payment from XXXX  XXXX XXXX and that there where insufficient amounts ( which is impossible ). What I am being told now is that they actually closed the account because I had insufficient funds three times ( again, impossible ), and that each time they let me know by email. I do not have any email from CITI about any of these supposed three times, actually, I have all the emails saying that I paid the card. 

Now, they are charging me an impossible to pay interest rate. I am paying every month, but each month they increase the interest rate, telling me is because every time that they could not get the payment they have increased the interest rate. I have asked them to explain the process, and they say is because of the three times they tried to collect. Nevertheless, they just increased the interest rate, the times do no match.

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 2018-02-03
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed for Loan Forgiveness on XX/XX/XXXX with XXXX. On XX/XX/XXXX, I adjusted my payment plan to a Pay as You Earn ( PAYE ) plan, per the requirements of the Loan Forgiveness program. An additional requirement was that my loan servicer became XXXX. I filed all of the appropriate paperwork, and was told that, after switching to an income-based plan, my monthly payments would be {$220.00} per month. My loans were then transferred from XXXX to XXXX and I began my monthly {$220.00} payments on XX/XX/XXXX. On XX/XX/XXXX, I re-filed my Income-Driven Repayment plan request ( IDR request ) for the Loan Forgiveness program with XXXX ( and nothing about my income, employer, residence, etc has changed ). I was told that, based on my income level, my monthly payments should be {$10.00} per month, beginning XX/XX/XXXX. I contacted XXXX Customer Service Department on XX/XX/XXXX to inquire about why my monthly payment has drastically decreased despite nothing about my employment or income has changed. I was told that I should have been paying {$10.00} per month all along, and it must have been an " error '' from my previous loan servicer, XXXX. The gentleman from XXXX told me that, XXXX must not have had all of the information to complete my PAYE request on XX/XX/XXXX, although I received confirmation of my request from XXXX, and that I had been paying the standard payment. I also have no record of being informed that XXXX could not complete the IDR request and were therefore doing to change me to the standard payment plan. The gentleman told me that XXXX could not reimburse me for my excessive payments for the last year because they charge what my previous loan servicer told them to charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-07-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i discovered on my XXXX report i have the following collection -Collection Agency - NOT MINE.- -Collection Agency CONVERGENT OUTSOURCING, XXXX Balance Date XX/XX/2022,, Original Creditor Name XXXX XXXX XXXX XXXX {$550.00} CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA 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 2019-04-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account on XX/XX/XXXX through an advertised Wells Fargo promotion with the following terms : Deposit $ XXXX w/in 10 days, have at least $ XXXX in acct on day 60, and make 5 or more transactions ( including ACH ). 

I completed those terms on XX/XX/XXXX. The promotion advertised that within 30 days of completing terms, {$300.00} would be deposited into my account, which would be XX/XX/XXXX ( which has long since passed ). 

I called XXXX about a week ago ( beginning of XXXX ) and was told by the representative that I had met all terms of the offer and was told to wait another few days for it to post in the account. I waited and nothing posted. I called again and spoke with a representative and then a supervisor. Both of them informed me that unfortunately WF 's system had coded 3 of my external bank transfers as an " online transfer '' as opposed to an ACH. The other 3 were correctly coded as an ACH transaction. Note, all of these transfers were done with an external bank and were ACH transfers ( not wire transfers, ATM deposits, etc. ). The last person I spoke with told me I needed to go into a branch and speak with a branch manager in order to see if they could fix the problem. I don't think it's ethical for WF to make me have to jump through so many hoops in order to get the promotion that I am owed, especially since I was told that I already met all of the requirements before. It seems like WF intentionally coded my transfers as an " non-qualifying transactions '' so that they wouldn't have to fulfill their end of the bargain.

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 monetary relief
Consumer complaint received 2018-02-03
Company: Focus Holding Company
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed  it up by not contacting me they had my cell but got no voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago someone used my Paypal account to purchase some XXXX products totalling around {$2500.00}. I immediately requested a chargeback from my bank, which was successful. I then enabled 2FA on my Paypal account and disconnected my bank account from it, and I thought it was taken care of. A few months ago a debt collector contacted my by phone and email claiming I owed several hundred dollars on a Paypal debt. There should never have been a debt because the money didn't transfer. Also, I was never even contacted by Paypal about a debt owed. I have since reopened that Paypal account and use it occasionally, and have never gotten any debt notifications. 

This is being reported on my credit as a debt owed and I'm not sure why or how I can remove it. It is being reported on my credit as a debt of {$640.00}, but their collection email said it was {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: MARINER FINANCE, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted all XXXX credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: VA
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 Credit Card Score got down starting of XX/XX/2022. I suppose the cause is the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was working all day Saturday XXXX XXXX. I get home and realize that my card was lost and all my account was cleared out. There was 3 {$200.00} XXXX XXXX transactions and 1 {$130.00} XXXX transaction. There was 1 {$2000.00} XXXX transfer as well. Never once did I receive an email or text if it was me, either from my bank or from XXXX These transactions were made to people whom I do not know. I was working all day and did leave my phone unattended a couple of times but I dont think anyone would enter my phone, I do have my passwords saved on here but dont think someone would do that. Chase bank states I might have lost that money and I feel horrible as I did not make these transactions. Chase needs to do something and be better at protecting their customers. Now I have no idea if my info is known by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
FROM : XXXX XXXX Account # XXXX XXXX XXXX XXXX TO : US BANK ACCOUNT SERVICES Hello, My account is under review for an altered/Fraudulent Check This is a lie. The check was from my Insurance company and I have the proof it is not fake right here. 
I came into the XXXX XXXX branch earlier last week ( XX/XX/2022 ) and spoke with the manager XXXX XXXX. He told me my account was to be closed due to a fraud check which is not true. He actually accused me of this and was very rude. My insurance adjuster provided me the check and the proof my check was real. I cashed this at another bank but you still have my money from a separate {$5000.00} deposit I made before I made this one and my account is still on hold. 
I have attempted to contact him multiple times via phone and email and he wont respond or I got an auto email telling me hes out until the XXXX! 

I need this account restored TODAY I can not allow you to hold this any longer and I have called and emailed your branch and the back office and the fraud dept and multiple times and have been ignored. The branch is the only one who can remove the hold. I want that REMOVED NOW! Here are the images of the check and the link to the page you can view the check issued from my insurance company it matches the check I deposited and the other checks I deposited from this same accident. 
Click Lick for info on check issued XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX You can call my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my account unfrozen and money today the number you gave me said directly TWICE only the bank manager can do this. 
Thank You XXXX XXXX Account # XXXX XXXX XXXX XXXX ATTACHED : IMAGES OF CHECKS

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 2022-10-23
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX, # XXXX, # XXXX, # XXXX, # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for the Chase Southwest Rapid Rewards card in XXXX of 2022. I was approved and the card was sent to my mailing address. When I received the card I activated it and starting using it. Literally days later I started having issues with the company locking my card. I called in numerous of times and told them I was using my card and that all transactions were valid. The company decided out of the blue to close my account because they thought I was a victim of identity theft. I confirmed with the company that it was not identity theft and that I was using the card. I requested that they open my card back up and they denied me. THIS HAS ALSO HAPPEN TO ME IN THE PAST WITH THIS COMPANY I HAD A CHECKING ACCOUNT AND IT WAS CLOSED FOR NO REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper that is escrowed. My hazard insurance renewal was scheduled for XX/XX/XXXX ( shown on the system with the correct insurance company and policy number ). I received a letter in the mail ( dated XXXX, received XX/XX/XXXX ) that insurance had lapsed for non-payment and that Mr. Cooper would be force-placing insurance if I did not provide proof of new insurance. Mr. Cooper blamed previous insurance company ( XXXX  ) not providing billing information, but I find it unacceptable that the servicer simply didn't pay the insurance premium and did not notify the consumer ( me ) until it was time to 'force place ' insurance. I went without coverage ( unknowingly ) for over a month due to the inaction of the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open.

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 2022-10-23
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: Information belongs to someone else

Complaint:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Square Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Visa debit card from a company named Cash App, issued by XXXX XXXX. It is under my name and mailed to my home address on XX/XX/2021, but I never authorized this and havent even heard of Cash App before. I contacted Cash App and they sent me an email with a set of questions, which I already replied back to with the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: Reporting company used your report improperly

Complaint:
The following accounts I have listed below XXXX XXXX  XXXX XXXX/DEPT OF ED My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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