BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, I received a Chime visa debit card in the mail that I did NOT apply for but appears that someone else did. I tried calling Chime at the number on the back of the card at XXXX, but there is no way to reach a human representative through their automated phone system. I tried calling The XXXX XXXX at XXXX only to be put back into the Chime phone system. On XX/XX/2022 and XX/XX/2022, I emailed XXXX to report the fraud and close the account. I've only received automated responses that my request has been received and is being reviewed by their member services team. 
On XX/XX/2022, I filed a fraud report with the XXXX XXXX, PA police department. 
On XX/XX/2022, I confirmed that my fraud alert is still active on my XXXX account. The fraud alert is also on XXXX and XXXX. 
I am a victim of fraud and identity theft. Chime will not respond and close the account. I do not want to activate the debit card and have no way to verify if there is any activity on the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-14
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I have transferred money using Western Union on XX/XX/XXXX and its been 7 days. The receiver had not yet received the money and when called to the customer service they are rude in responding by saying that they don't know when the money will be transferred. Is this the answer that the customet expects to have? 

The customer agent 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over charging over draft fees

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 2023-01-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Two companies accessed my credit report without my authorization. The following inquiries were not authorized by me : XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XX/XX/2020

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 2019-02-05
Company: SUNTRUST BANKS, INC.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Late XX/XX/2018 I set up bi-weekly payments with Suntrust Mortgage. I had purchased a home in XX/XX/2018  and the mortgage was sold to Suntrust right away. I have never made a late payment or missed a payment with any mortgage company in the last 30 years. I made my regular XX/XX/XXXX payment which posted to the account on XX/XX/XXXX. Then on the XXXX and again on the XXXX Suntrust deducted half my payment to start the bi-weekly payments on XX/XX/XXXX. The XX/XX/XXXX payment has not posted. The payments are sitting in a suspense account. I called 4 different times on 4 different days in a row to inquire about this, I was told the first 3 times it will post tomorrow. On XX/XX/XXXX I spoke with a rep who said she has to submit a special request to have the funds moved from suspense to my payment and it could take 7 business days putting me past the late fee period. She said since I didn't pay a full month in advance on my mortgage I don't qualify for the bi-weekly payments and I would have to call each month to have the money moved from suspense. Now it is becoming a problem to get the money they are holding applied to my XX/XX/XXXX payment and I don't have the funds to make an additional payment while they work this out. This feels like a very crooked process to charge late payments to unsuspecting consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage reported we were 30 days late on payments dating back to XX/XX/XXXX. We sent bank statements several times proving we have not missed any payments dating back to XX/XX/XXXX. Never got a clear response in writing showing when or where we had missed a payment. This cumulated last year when PHH reported we were 2 months behind on our payments. Once again we sent proof of all payments. PHH refused to produce proof of missed payments and dates of those payments. In XX/XX/XXXX we made XXXX extra payments totaling {$3000.00} to stop the harassment. We still have not received proof that we missed these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my check via mobile app. A state of California issued check. I received approximately half and the other half was placed on hold. My funds were held or scheduled to be held til XX/XX/2020 the deposit was made on XX/XX/2020. I called USAA and asked why my funds were not in compliance with RegCC  expedited funds availability act. I told them that the hold was incorrectly placed because the check was a State Draft and should be handled differently. The executive complaint resolution persons told me that I agreed to waive Reg CC by using the Mobile App to deposit my check. How can I waive the obligation of an institution to comply with federal regulations? This seems illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: In progress
Consumer complaint received 2020-09-20
Company: Conn's, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told Conns debt collectors not to call me on Sundays that it was very inconvenient and they still called me 3 times today XXXX..after the third call I restated to conns not to call me on Sunday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yes I have a Chase credit card that I used to have that most of the charges a fraudulent that are left on it that are unpaid also I open a new Chase bank account the credit card is stuck in XXXX and I didnt even stolen the chase bank and open here in a XXXX but due to some lack of security fraudulent charges again and I kept having to chase bank account keeps a document or a log of every device and several login to your account so I kept having people login random computers random things login they can secure my calendar and Ill didnt put no more money back and it nor pay the overdraft I was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: AES/PHEAA
State: TN
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:
In XX/XX/2016 a missed payment was showing on all of my all of my Fed Loan Servicing student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-01-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: ACS Education Services
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a student loan with ACS/XXXX XXXX that was sold to XXXX. The loan is now reported on my credit report twice. It is in good standing and being paid through XXXX, however, it shows an unpaid balance of XXXX due to ACS/XXXX XXXX and also says it is in deferment. I have tried to contact ACS and they told me to contact XXXX, XXXX said it is an issue with ACS. ACS has had thousands of complaints about incorrect reporting and I would like to figure out how to get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I HAD AN ACCOUNT WITH NEWREZ- SHELLPOINT MORTGAGE SINCE XXXX. THIS YEAR THEY APPROACHED ME WITH A PROPOSAL TO REFINANCE SINCE THE INTEREST RATESARE LOW. I AGREED AND WENT THROUGH THE PROCESS OF REFINANCING. I COMPLIED WITH EVERYTHING THAT THEY DEMANDED AND PAID FOR THE MONTH OF XXXXMY NEXT PAYMENT WILL START IN XX/XX/XXXX. THE CLOSING WENT THROUGH ON THE XXXX OF XX/XX/XXXX. SINCE XXXX I HAVE HAD A BI-WEEKLY PAYMENT ARRANGEMENT WITH THEM WHICH THEY ADVISED ME TO STOP SINCE WE JUST REFINANCED AND A NEW PAYMENT RATE WILL BE SENT TO ME. I THEN WENT AHEAD AND STOPPED THE BI-WEEKLY PAYMENT WITH NEWREZ-SHELLPOINTON THE SAME XXXX OF XXXX THAT I DID THE CLOSING.SURPRISINGLY NEWREZ-SHELLPOINT STILL WENT TO MY BANK ACCOUNT OF XXXX  XXXX  XXXX XXXX XXXX AND TOOK UNAUTHORIZED PAYMENT OF $ XXXXAND SENT MY ACCOUNT INTOBALANCE AND SO FAR A PENALTY FROM THE BANK TO THE TUNE OFF {$100.00} IDID TRY 14 TIMES TO RESOLVE THIS MATTER WITH NEWREZ-SHELLPOINT TO REFUND THE UNAUTHORIZED AMOUNT AND THE PENALTY FROM THE BANK AND THEY KEPT GIVING ME THE RUN AROUND. TO MENTION A FEW NAMES THAT I SPOKE TO WERE XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL THESE PEOPLE KEPT ME THE RUN AROUND SOMETIMES ON THE PHONEFOR OVER ONE PHONE FROM ONE PERSON TO ANOTHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: SUNRISE CREDIT SERVICES, INC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received an invoice from XXXX XXXX XXXX XXXX dated XXXX and XX/XX/XXXX for {$290.00} Which I have no knowledge of any account with XXXX XXXX XXXX ( see attached ) on XX/XX/XXXX, I have received an alert from XXXX that my SSN is associated with different name ( see attached ) I have called XXXX XXXX XXXX, with no resoluation A collection agency has been reporting this to my credit report affecting my credit score Collection agency name is : SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX, NY XXXX I have filed identity theft report with Federal trade commission XXXX FTC ( see attached ) I have disputed this with XXXX I have filed a Local police report on 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 explanation
Consumer complaint received 2022-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a victim of scam with XX/XX/XXXXand XX/XX/XXXX( I learned later after being scammed that these are two different platforms and the XX/XX/XXXXdoesn't seem to be legit ) Within a week of learning I had been scammed, I reached out to Chase Bank XXXX XXXX XXXX, California location and spoke to the bank manager. I explained my situation and requested 3 large wires to be reversed on XX/XX/22. 
First wire was done on : XXXX/XXXX/22 {$30000.00} Second wire was done on : XXXX/XXXX/22 {$50000.00} Third wire was done on : XXXX/XXXX/22 {$74000.00} The bank manager reached out to the wire department to reach out the recipient bank. 
I have been following up every week with no success. 
Additionally, I have filled a police report and also the IC3. 
Can someone please help me. I need to recover my funds immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late Spring XXXX, I noticed a new XXXX XXXX credit card on my credit report that was not mine. I contact the bank, provided them with the information they requested and received a letter dated XX/XX/XXXX indicating that they had investigated and held me 'not responsible ' for a credit card ending in : XXXX. It was removed from my credit report. I thought it was a one-time fluke, and perhaps it was. 

However, in XXXX XXXX, my identity was stolen and 5 credit cards were taken out in my name and my checking and savings accounts were compromised. In addition there were 5 other hard inquiries ( that I did not make ) where the thieves tried to take out even more cards in my name. 

I discovered the theft when I applied for a new credit card and was declined and by that time each of the credit cards had been charged to the maximum credit limit and all were late, dramatically dropping my credit score. 

The thieves used the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. An address that is not nor was it ever mine. Because the thieves used it the address showed up on my credit report. Only within the last month have XXXX and XXXX agreed to remove the XXXX XXXX address from my credit report. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit card companies and XXXX and XXXX. I provided each company with what they asked from me and 4 of the accounts were closed and removed from my credit report except the XXXX XXXX credit card ending in : XXXX. 

After sending in the information that XXXX needed for the XXXX ' account I received a letter dated XX/XX/XXXX. Indicating that they had conducted their investigation and quoting from the letter : " determined the application and subsequent account to be authorized and not fraudulent based on the following : A credit card and monthly billing statements were sent to : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. '' I tried to contact XXXX several times thereafter and sent another letter telling them what I am writing here - that I have never lived at the XXXX XXXX address, therefore never received the card, never charged anything on the card. 

This past week I called XXXX XXXX to ask about the 'derogatory comment ' on my credit report and the resulting drop in my score. I learned at that point that the account had been turned over to a collection agency - Pyod. The XXXX representative told me I would have to call the collection agency and refused to speak with me further.

Company response to consumer: Closed with explanation