BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, within my Chime bank account, I transferred {$20000.00} from a linked XXXX XXXX checking account. I have been aChime customer for almost 3 years. On XX/XX/XXXX, the transfer had not yet been deposited into Chime, and I received an email stating my account was closed. I asked customer service if my {$20000.00} would be returned to the bank account it came from, and they said yes, it would be automatically rejected since the account was closed. On the XXXX, they again assured me that the transfer ( which was initiated by me, within my Chime account ) would be returned to the original account ( also mine, at XXXX XXXX ). As of XXXX, the {$20000.00} still has not returned to my XXXX XXXX checking account. On XXXX, I reached back out to Chime and asked if deposit was sent back. They stated that it was not sent back, that it was posted to my Chime account on XXXX ( though it was closed on XXXX ), and I would not be receiving any type of refund. I filed a XXXX report and have attempted to contact employees to handle the issue, but they do not publish or share the email addresses of anyone in the company. They have stolen {$20000.00} from me which is, as you know, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: IL
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'm trying to correct some personal information with Experian and the number they give to call is literally useless - XXXX. There is no option there to speak with anyone. Just some useless automated operator that does not provide any information and eventually hangs up on people.

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 2019-04-26
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:
Different addresses are reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-02-20
Company: EQUIFAX, INC.
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:
On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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: Account status incorrect

Complaint:
Status of account is correct, however the servicer shows the account as behind.

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 2021-02-09
Company: EQUIFAX, INC.
State: TX
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:
This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with Equifax has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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 have sent ( 2 ) two letters to Experian, ( one of the credit bureaus ), after the first letter Experian responded by telling me that they have no credit history of me on file?? Experian stated that I need to send them proof of who I am so that they can proceed with my disputes, they needed a copy of my driver 's license and a utility bill or bank statement with proof of address, to which I did respond to their request. I blacked out my bank account number, but it showed proof of my address and I blocked the signature on my driver 's license to which they did not need ... .. they responded by stating " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity or the information that you provided was not legible '' LOL So I am going to reply with another letter with proof that it is me and also send a complaint to see if that is going to do anything. Thank 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 2022-08-06
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I filed a previous complaint ( # XXXX ) still no change. The credit card have not been mailed at the moment. I don't understand the difficulty of mailing the credit card. Now I am going into the three month of not receiving the credit card and the complaint I made through your agency haven't made a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019, CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2018-07-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
AFTER I MADE A PAYMENT IN XX/XX/2018, I WAS A MONTH BEHIND. 
I HAD TO UNDERGO XXXX IN EARLY XX/XX/2018, FOR MY XXXX XXXX ; I WAS OUT OF WORK FROM XX/XX/2018 TILL XX/XX/2018 ( FOUR MONTHS ). 
I SPOKE WITH SPS ON XX/XX/18, EXPLAINED WHY I WAS BEHIND, THAT I WAS GOING BACK TO WORK, AND WOULD BE RECEIVING XXXX INSURANCE PAYMENTS, TOTALING FOUR MONTHS PAST DUE, ON/ABOUT XX/XX/2018. I WAS TOLD THAT WAS FINE BY CSR AT SPS. 
I FINALLY RECEIVED XXXX INSURANCE PAYMENTS ON XX/XX/2018, AND DEPOSITED IN MY BANK. I WENT ONLINE TO MAKE PAYMENT XX/XX/2018 TO SPS, AND WAS BLOCKED, CALLED SPS TO FIND OUT WHY AND WAS TOLD MY LOAN WAS IN FORECLOSURE! AND THEY WOULD NO LONGER ACCEPT PAYMENTS. 
I RECEIVED IN THE MAIL THAT DAY, THE FORECLOSURE PAPERWORK FROM THEIR ATTORNEYS. 
THE ONLY REMEDY WAS TO REINSTATE LOAN BY XX/XX/2018, FOR {$6100.00} ; IMMEDIATELY OVER-NIGHTED LOAN MOD/ASSISTANCE PAPERWORK TO SPS AND THEIR ATTORNEYS REQUESTING REPAYMENT PLAN ESTABLISHED ON XX/XX/18 PHONE CALL BE HONORED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Fay Servicing, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Fay Servicers Mortgage for months now. I have submitted an application to catch up my mortgage which was never approved because they tried to for me to buy homeowner/flood insurance that I was unable to get because of my credit scores while still charging to my account the lender 's forced insurance payments that are added to my mortgage monthly. 

I have tried on 4 occasion to make payments of which they are refusing. They will not work with me at all.

Could you please help and tell me what to do next. I do not want to file for chapter XXXX. I have lived in this house more than 16 yeas.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Not only have XXXX breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX. {$56.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX 8 ) XXXX.. {$52.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady  at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint..

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 2021-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent 2 letters within a span of 30 days in regards to incorrect information on my credit report and still have not received any update on the 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I borrowed {$10000.00} from Sallie Mae and made {$100.00} payments for approximately 12 years, which i thought repaid the loan as my student loan book was depleted. After sending what i thought was my last payment I received a notice saying due to late payments I owed an additional {$1000.00} and if I didn't send the money I would never be able to get credit as the loan would be classified as in default. I requested on information on which payments were late and how the late fees were calculated - but Sallie Mae never responded so i made the additional 10 payments of approximately {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a Citibank account. I paid my Best Buy Account of {$58.00}. Today, Best Buy, which is part of Citibank, went into my account and took {$250.00} without my authorization. I have been making regular payments on this account, and today they decide to take an additional {$250.00}. Citibank said there is nothing they can do and Best Buy is saying the same. What rights do we have when it comes to our bank accounts? How can I get my money back?

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 2018-07-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After receiving a copy of my consumer report I noticed inaccurate information being reported by Santander Consumer, USA. I then sent a 1692g request in which was received by Santander on XX/XX/2018, at approximately XXXX. Santander failed to respond to the requst and continues to report inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Vital Solutions, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hi, For a long time I have been experiencing harassment on the phone with calls all day long. It is Vitaly Ricovery who calls me to try to collect a debt which they are not able to validate. In fact, on XX/XX/XXXX, two weeks after they contacted me, I sent them a debt validation letter. They did not properly validate the debt as required by law, so on XX/XX/XXXX, I forwarded a second letter asking them to validate the debt he accuses me of. They haven't sent the letter since XXXX, but I was surprised at the beginning of XXXX, three months ago, that Vitaly Recovery resumed with calls. It's too much now! They are unable to validate the debt and that does not give them the right to harass me at any time on the phone. I don't even recognize this alleged debt. I have attached the receipt return service requested as a proof they received my debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an arrangement and paid the debt in full to the original creditor XXXX  One week later in XX/XX/2020 this debt was reported by Receivables Performance Management to all three credit bureaus. I have not entered into an agreement or contract with Receivables Performance Management. I have called multiple times to request this derogatory account be removed from my credit report. The representatives at this agency refused this request in violation of the FCRA. I did not give written or oral permission to authorize Receivables Performance management to furnish any information on my credit report. I'm exercising my right under the FCRA to dispute this account in its entirety.

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 2021-03-25
Company: EQUIFAX, INC.
State: CO
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 sent a letter way back 3rd week of XXXX to file a dispute on inaccurate and unknown items on my credit report. I sent another letter on the XXXX of XXXX to complain about not having heard anything from them and under the FCRA they have to respond back to me within 60 days and have not received anything until now. I will have to file legal actions if this is not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Tower Loan of Mississippi, Inc.
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: Account information incorrect

Complaint:
I applied for an online loan through tower loan on XX/XX/2018. I was told I was not approved for the amount requested ( XXXX ) but I did qualify for XXXX and could go into the loan office if I still wanted the loan. I signed my paperwork, received my loan funds and left on XX/XX/XXXX. 

Now, I show 2 credit inquiries for tower loan on the same date, XX/XX/2018. I have requested they remove 1 of the inquires as it was for the same loan, on the same day, with the same company. I did not apply for 2 loans. I did not authorize anyone to run my credit twice.The manager of the XXXX, AL branch called me this morning to let me know Towers home office and her supervisor XXXX are not going to remove either of the inquiries. Any finance company should not be allowed to run 2 hard inquiries on the same day for the same loan. I only have 1 loan and have only ever had 1 loan with Tower.  There should NOT be 2 Hard inquiries and I want 1 of them removed. It is on my XXXX XXXX. I have tried to handle through Tower to no avail. Please help.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

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 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm still being mistakenly pursued for 3 years now for some XXXX   equipment that I returned. Looks like someone is making a fast buck reselling this erroneous debt again and again. Strange since I have a receipt showing I returned the equipment dated XX/XX/15 and the last debt collection agency chasing me ( XXXX XXXX ) found that the alleged debt is uncollectible. This month it's ERC of XXXX, PA that is hounding me. When will it stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation