BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a Chime banking customer. I tried to use the approved atms per the chime app and the atm located to find atms that are in network and can accept cash. I was unsuccessful at 3 different atms. When I tried to use the automated system to ask for help I was unsuccessful and given the option to talk a representative. After being on hold for 10 minutes, I was transferred to someone who told me that having issues with deposits since XXXX prior. Although, no alert or email was ever sent to me. When I asked why I couldnt deposit money, I was told to give me money to the cashier who will charge my card with the amount that I wish to deposit. This goes completely against the instructions that the app and the automated support system advised. The person then asked me to go to XXXX and try several other ATMs around town, I asked them out right why it was not working and they were not providing a solution. I asked to speak to a supervisor and was told that the supervisor would not take the call. This bank is essentially lying to its customers about the ability to deposit cash into the ATMs, the company is not providing me with an answer and I want this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payment had gone up due to my insurance increasing by {$400.00} a year, so I switched insurance in XX/XX/2018. My insurance assured me everything would be taken care of. 
In XX/XX/2018my payment was increased even more. after further investigating I found out onmy own that the mortgage company had paid for two different insurance policies and did not inform me of this rarity. 

I requested a refund through my original insurance and it was returned to me. In XXXX I paid the full amount to my mortgage that was returned to me. After several months of receiving notices that I owed XXXX $ amounts I called and was left on hold several times and being disconnected due to long waits. Finally I was connected to a service representative but she told me there was not any documentation of me making any such payment. Under duress I paid an extra amount of {$1300.00} on XX/XX/XXXX assuming I would pay my regular amount in XXXX. 

XXXX comes around and they still say my payment is {$1300.00}, which is {$200.00} plus my regular payment. 
I get a login to their website and find that the payments are documented, and I try to call to no avail. I tried to contact them 3 different times and put on hold. Finally after the fourth try I gain contact and was told they could not help me and I would need to be transferred or I would need to call back. 
I find this completely unacceptable considering they created this by their system failure of paying two different insurances and the fact that I can not reasonably contact them without hour long wait times and most times not even being able to talk to someone. 

I requested they accept the extra payment as my XXXX payment and they told me I would have to be transferred again. 
I need some closure to this fiasco and the company is just running me around to different departments until I agree to pay a hire mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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: Old information reappears or never goes away

Complaint:
THIS IS NOT A DUPLICATE TRANSUNION IS NOT LOOKING AT THE INFORMATION PROVIDED THEY MARKED IT AS DUPLICATE THIS IS WRONG. XXXX is past the statue of limitations and for whatever reason they keep reporting the account and wrong information. I have attached proof from XXXX showing the last payment date was back in 2011 and it should not be on my credit file

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 2016-04-06
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Somebody calling me they said took a payday loan out and they went and my account Last year of XXXX and they could not get the funds they said they taking me to court if these the same people who calling me I pay them already and they saying they never receive anything and I been trick to many time already what should I do they keep calling me they said the name representing is castle payment but they never said the name of they company then every time they call they always put a recorder on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from the county stating we owed {$750.00} and {$67.00} in late fees for property taxes. This later is dated XX/XX/XXXX. We have until XX/XX/XXXX before we are placed on delinquent tax list. I called freedom and they said this was not paid during the closing process and they will investigate and pay any late fees. They also said this takes an average of 21 days to complete. That is too long and because of their error I will be on the delinquent tax list if it is not paid. I asked if I could pay the amount and they said they would need proof and would not cover any late fees. I have faxed information requested and now I wait and hope they fix this by the XXXX otherwise I will pay it so I do not get penalized for Freedom Mortgage 's mistake!

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 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 found inquiries that dont belong to me

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 2023-04-26
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: Information belongs to someone else

Complaint:
Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act

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 2021-06-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Applied for new credit card and activated card. 
Tried to many multiple purchases and card was declined. Have tried to reach chase customer support but have been rejected or told that the department that could help me is no longer at work. Attempted to call during different hours of the the day with same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely 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 2021-07-01
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems , Inc mailed a collection notice to my home address and I received it approximately XX/XX/XXXX. I emailed them that same date to dispute the debt. They didn't respond. I followed up with emails on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested verification of the debt and I sent them a copy of a court judgment I had showing that my landlord actually owes me money. My bond agreement regards landlord : XXXX XXXX. The landlord on my lease is XXXX XXXX. I have a judgment against XXXX XXXX. The debt is therefore not valid. 

At first it seemed like they were claiming they didn't have my address, which is false, since I received their original notification in the mail. I also spoke with them on the phone on XX/XX/XXXX and told them they had my address correct. I have also called and requested verification on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their workers get mad at me when I ask questions. One of them hung up on me when I asked what she meant by validation of the debt. They often put me on hold and then never answer my call, so I resorted to leaving voice mails. I snail mailed them my request for verification and included the address where they should send it. I even followed up by sending them a self addressed stamped envelope. I'm starting to think this may be a scam. I'm not really sure why they would list an email address on their website and then not ever check it. That seems shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report 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 2022-07-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have charges on the account that are not mine. I spoke with credit card company WellsFargo, and told them I have never made them charges. My credit limit is only XXXX, and WellsFargo says I owe them 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 2018-04-13
Company: Telerecovery Corporation
State: LA
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 was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). XXXX XXXX ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX XXXX' and Tele recovery ( which was account transferred from " XXXX  XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX  XXXX XXXX XXXX '' and I have never done any business with Tele recovery ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. XXXX XXXX, just contacted me on XX/XX/2018, a year and one month, after the account, was placed on my credit file. As for the Tele recovery account. I have no knowledge of this account, what so ever and it is not my account, nor has Tele recovery, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act. 

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist

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 2021-12-08
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 

Wrong Name : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX Date Updated XXXX XXXXXX/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 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: MI
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:
I noticed a charge on my card I didn't make. I called the credit card company and they said it was fraud and sent me a new credit card. The charge continued to appear on my card. I called the credit card company fraud department and they said the charge came from my phone, I explained my phone was lost during this time and they didn't care, they said I made the purchase and it wasn't fraud. I sent them all the backup emails I sent to the merchant informing them about this order, and a copy of the merchant package I refused and returned to the mailman but the credit card company refuses to reverse the charge I didn't make or receive.

I was then told by the credit card company it shouldn't be fraud but rather a dispute, so I opened a dispute with the credit card company and sent them all my supporting documents, they told me they needed 10 days to contact the merchant and it would be reversed as I didn't order and refused the product, but today when I called as the charge was still on my card, I got an entirely different story again, saying the merchant already gave me a credit, which is not ture. When I contacted the merchant they said I had to work with my bank and they couldn't do anything further to help me.

I received email notification fr this merchant confirming my purchase when this happened, I emailed the merchant back immediately and informed them the same day I received their email that I didn't make this purchase and to cancel the order and refund the charge. I received another email a day or so later telling me they shipped this order. I informed the merchant again I didn't make this purchase and to not send the order. The merchant sent it anyway, I refused the order and the mailman took it to return to them. I have attached all supporting documents sent to the merchant and credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation