BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/17 I reached out to US Bank to explain I had just gotten out of the hospital this week and that we had lost our housing in the pandemic. I asked if they could refund the four {$36.00} overdraft fees In the past they had been very understanding that we have not been able to keep up with cash flow in the pandemic. 

This time they said they arent doing it anymore and that we need to figure it out. 

I think it is terrible that they are even allowed to charge fees like this in the pandemic and that they make you feel like a terrible person

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 2020-07-09
Company: CCS Financial Services, 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:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX {$380.00} XXXX XXXX {$1700.00} CREDIT COLLECTION SERV {$1000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had suspicion that my account could possible be compromised so I contacted Chime customer support Inside the banking app on XXXX XX/XX/22 and I was IGNORED! A week later my account was compromised and my Paycheck {$590.00} was stolen. After 7 Hours on the phone with customer service we managed to get back into my account only for it to be compromised again on XXXX XX/XX/22 and {$240.00} was stolen out of my account again. Since XXXX XX/XX/22 I still have no access to my account and all efforts to resolve this situation with chime have accomplished absolutely nothing. It is now XXXX XX/XX/22 and I am still locked out of my account. Customer service keeps telling me to log into the app. But they don't seem to understand that I am unable to access my account because they have failed several times to change my Account information so that I can access the app. At this point I can't tell If I'm being scammed by a scammer? Scammed by Chime? Or both? Chime is great until you have a problem. Customer support has provided absolutely no decent assistance in resolving this matter and I need help from. Due to this all of my bills are late which has created a whole different set of problems for me. Chime has FAILED miserably to help protect me & my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
My complaint is with both Experian and XXXX. I had a fraudulent transaction from XXXX ( they said the purchase was for a mattress from XXXX ). I advised both XXXX and Experian that I did not make this transaction and it was a fraudulent use of my credit. I have disputed this twice so far and they are saying this is mine. I would like to know what exactly they are doing to investigate this. They said my email, phone number and debit card were all accurate yet they have not provided any details of how this occurred. They are both incapable of doing a complete investigation.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX the birthday is incorrect too

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 2018-12-19
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX employee XXXX XXXX has repeatedly called my employer multiple times and multiple days. Originally only referencing a private matter until today. XX/XX/18 she contacted my employer at numerous locations and stated she was a debt collector attempting to collect a debt. this is a violation of my employers policies and my right to privacy.

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 2020-07-09
Company: Shellpoint Partners, LLC
State: NJ
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:
Shellpoint is reporting incorrect information to the credit bureaus regarding the status of my account. This is the 2nd time in just over 2 months that they have submitted incorrect information regarding my account to the credit reporting agencies. This is causing me hardship and potential monetary loss, especially in these times of covid-19. 

First of all, the account is not 30 days late as they keep reporting but is current. 

Additionally, a past due amount of {$2500.00} is being shown. I would like to see a detailed itemization of that amount. I have previously written to shellpoint numerous times regarding spurious charges on my account and no one has replied back to me. I again sent a letter dated XX/XX/XXXX and now XX/XX/XXXX asking for an explanation of this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 made aware some time ago that someone stole my identity ( social security number, first and last name ) to rent an apartment with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back on XX/XX/2021. The balance has shown up on my TransUnion multiple times as this person has not paid rent in over XXXX months. The balance is well over {$15000.00} and continues to grow as this person still lives at this apartment. When this was first reported to me I was living in XXXX, CA. I now live in XXXX, Idaho. I have filed XXXX disputes with TransUnion, created a police report, submitted all the appropriate documentation that were asked of me from the apartment complex ( lease agreement, renters ledger, Drivers license, social security card, police report ) yet the apartment complex still does not believe this is fraud. The XXXX XXXX Police Department was even in contact with the apartment complex.

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 2020-08-02
Company: FREEDOM FINANCIAL NETWORK
State: AL
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 company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: TX
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:
This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file 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 2021-05-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a store credit card issued by Comenity Bank with a {$200.00} credit limit. The minimum amount due each month is {$35.00}. On XX/XX/XXXX I started sending in payments of $ 50 monthly. I'm on a fixed income so the payments are setup on bill payment on the 3rd of each month and are set electronically to Comenity Bank. I don't receive a bill each month because I was setup on paperless billing. I noticed that the balance had not been going down and I still owe them {$140.00}. I was able to setup an online account with Comenity Bank yesterday and we I logged in and reviewed my account I noticed that I was being charged a {$35.00} late fee each month after the {$50.00} payment was made. I've never missed one payment, I reached out to Comenity Bank on XX/XX/XXXX spoke with a senior Representative named XXXX who apologized and said he wished I would of called sooner about this and that he would credit the late fee for XXXX. This is wrong business practice I should of been made aware of any late fees that were being applied to the account and I would like something to be done about this. I need to be compensated for the money that's been taken away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2018 I purchased a XXXX, VIN XXXX, from XXXX   XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over XXXX at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. XXXX XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately XXXX miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over 5 hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. XXXX ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: WA
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 Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: JPMORGAN CHASE & CO.
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:
{$800.00} worth of items purchased with my Chase credit card was stolen off my real property by an unscrupulous contractor. I contacted the police and filed a police report and tried to file a claim under my credit card 'Purchase Protection ' but have been given the run-around by Chase . I was on the phone with their representatives for almost 90 minutes on XX/XX/2018, and after being transferred from department ( XXXX to XXXX ) to department ( XXXX to XXXX ) to department, ( XXXX to XXXX ) I  was told to file the claim online and the call was disconnected. When I attempted to file the claim online I kept getting an error message saying that there is a problem and I should contact the XXXX number to file the claim. I called the XXXX number to file the claim and was told to go online to file the claim. 

I have written Chase on numerous occasions about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: OH
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:
Ive asked that two negative credit accounts that are closed XXXX XXXX XXXX XXXX and XXXX XXXX ) and have been opened more than7 years ago, be removed from my report. They have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Chime Financial Inc
State: IN
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:
On XX/XX/XXXX my phone was stolen and the following month I tried to get into my account to chime they refused to let me by the time they let me in it was after XX/XX/XXXX and I have received a payment and they hacked a bank transfer to their account and drained my account I follow dispute with chime and they refused to refund my money even though the transfer happened while I couldn't even access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2023-05-04
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX Closed onXX/XX/XXXX XXXX  XXXX Closed on XX/XX/ XXXX  XXXX XXXX  Closed on XX/XX/. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts

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 2018-10-01
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, some of my loans held by XXXX XXXX, were transferred to XXXX. I had already sent in my XXXX payment. I called them and they told me that they would transfer everything and that I would not be considered past due. I kept sending in the payments, and they were not applied to my account. In XXXX, my XXXX payment and my XXXX payment were not posted. However, my XXXX payment was. 

I had been sending the payments to the wrong address. That has since been corrected. However, they applied the XXXX payment and then told me my XXXX payment -- since it went the wrong address -- would be refunded to me. That did not happen. 

Instead, Access sent it to another subsidiary -- XXXX, who is servicing a loan that I am currently not repaying -- and then claimed I owed XXXX a XXXX payment. Access sent my payment to XXXX without my consent. I sent in a XXXX payment, but since XXXX had my XXXX payment, XXXX applied my XXXX payment to XXXX, and so on. So I have been paying on time, every month, but XXXX   does not credit my account. Even though they receive my payment. 

I have been talking to them for six months. My payments always post no later than the XXXX. I want them to fix this issue, but they will not. I need help.

Company response to consumer: Closed with explanation