BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company thats not real took money from my account and I filled a fraudulent claim to get it back through my bank and they did nothing. They said there was nothing wrong with the transaction. I dont see how since I dont live in the state the fraudulent company is in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home loan was transferred from XXXX XXXX XXXX to Carrington mortgage at the XX/XX/XXXX/XX/XX/XXXX. We were told we had a grace period to start paying on the loan with the new company. But thought better and made our payments on time. Never missing a payment. But Carrington started sending us threating statements about us being behind. They never got back with us when we sent in information that we were current on our mortgage. I went from having EXCELLENT credit to fair credit in months and it's not changing. Our mortgage gets paid every month on time. But when I just checked my credit report Carrington has us behind 30-59 days for the last 7 months!! We need help dealing with this company. I take pride in paying all our bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My ex received a phone call in early XXXX but he did not take down any names or numbers. My mother was contacted late XXXX and took down a phone number and a case number. I contacted XXXX on XXXX XXXX, and I spoke with XXXX XXXX who said she was part of a law firm named " XXXX XXXX. '' She stated I had a debt with US Bank from XXXX and if I did n't make a settlement of a one time payment of {$950.00} or 11 month payments that would total {$1500.00} that they would take me to court, garnish my wages, freeze my bank accounts and add any additional fees of court costs/lawyer fees. She stated the would send me some invoice in the mail and that I 'd need to return it. I never received anything and called again on XXXX, I asked where it was and she said they normally e-mail these documents. She then sent me an e-mail via docusign with her administrators name on it, " XXXX XXXX. '' It was a time sensitive document. After looking into this online and feeling skeptical of this caller I called on XXXX and asked for a " validation letter, '' she stated that the e-mail was a legal form of validation and if I do not comply they will take me to court. Now I am just waiting for a subpoena if this is actually something legitimate.

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 2023-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: Ability Recovery Services, LLC
State: GA
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: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX has two accounts on my credit report. One from XXXX XXXX XXXX and the other from Ability Recovery Services. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!

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 2020-09-14
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
See attached letter. 

- Identity Theft Report - Proof Of Identity - Noticed to Furnishers of Information

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

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 non-monetary relief
Consumer complaint received 2023-04-14
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
While at basic training for the XXXX XXXX through XXXX, XXXX XXXX XXXX XXXX sent my title to navy federal credit union XXXX XXXX XXXX It was apparently lost in the mail and so XXXX refused to get another title for me. They would only send a application for duplicate title and lean release to navy federal which navy federal would then send to me and have me get another title and return to them. Since I was at basic training while this happened, Navy federal increased my interest rate from 5 % to 15 %. I have conducted hours of phone calls to get those documents sent over to navy federal where XXXX has lost two documents and continuously refused to help me further. Navy federal is refusing to assist me with the extra interest i have been paying, even though none of this is my fault. XXXX has stated they sent the document in XXXX, XXXX, XXXX, and XXXX. However, to my knowledge only XXXX documents have been received. I have been paying hundreds of dollars in interest over 4 months trying to get this sorted out. XXXX is refusing to get a new title themselves and is requiring me to pay the filing fee for the duplicate title application. The biggest issue being I live in washington now with my vehicle but the car is still registered in Hawaii. Therefore, I have to mail all documents to Hawaii DMV in hopes they process everything correctly with navy federal as the new lean holder and get the title back to me. I have been attempting to get this sorted out for 4 months and no one has helped me on either end to get this sorted out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XX/XX/XXXXshows XX/XX/XXXX, XX/XX/XXXXshows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXXAccount # : 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 2022-08-09
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: Information belongs to someone else

Complaint:
After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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:
have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will upload a letter from XXXX that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and XXXX has verified the information is not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past week, I have received 4 phone calls from Transworld Systems Incorporated ( TSI ). When answering the phone, they have asked for my wife 's name but do not identify themselves until asked, the reason that they are calling, or leave a voicemail. Upon looking up their information on XXXX, they are a debt collection agency based out of XXXX XXXX, California. In addition, we have no debts that are owed. They have used phone numbers ( XXXX ) XXXX & ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Cooling & Winter LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX XXXX small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX. for a debt. In informed them that I was no longer a resident there and lived in XXXX, XXXX. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office Cooling and Winter who was handling both debt accounts. I contacted Cooling and Winter and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me. 

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed Cooling and Winter as well as the county court office that I no longer resided there. 

I attempted again to contain XXXX to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX  XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: PA
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:
Multiple payments tenderd to company, instruments not returned and payments werent applied.

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 2022-12-19
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/2018 purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for {$22000.00} with a {$5000.00} downpayment as requested.The car was sold under fraudulence with a bad motor.Car was returned that same week to dealer who stated that they would fix.The dealer was unable to fix the car so i demanded a refund.Dealership refuses to refund back money stating i refuses to let them use the car warranty to fix it.I then decided to contact consumer affairs and file a complaint in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: KINGS CREDIT SERVICES
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: Their investigation did not fix an error on your report

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX for someone else. the check deposited into my account on XX/XX/XXXX and i sent it to the person who asked me to deposit the check. The check bounced and now my account is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My currently mortgage loan was with Ditech financial an Ditech filled a foreclosure on my loan in XXXX saying I had missed 6 months of payments. I called my bank XXXX XXXX and the sent proof that I was making all the payments Ditech said ok well reimburse your money that you paid us for the mix up. Ditech filled bankruptcy at the end of XXXX, Shellpoint Mortgage took over my loan. XXXX I was still behind I sent Shellpoint all of my documents showing what I had paid. I started make payments to Shellpoint and its XX/XX/XXXX my payments have not been applied to my account as of yet Im still out of about {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: GOLDMAN SACHS BANK USA
State: VA
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:
Apple Card/Goldman Sachs ( AC/GS ) has failed to process valid transactions on my card, and has failed to honor commitments they made to respond to formal complaints, that I filed with a service agent. The root problem is that AC/GS declined ( for suspected fraud ) a {$100.00} purchase on {$20000.00} credit limit, did not contact me, and was unreachable for nearly 3 hours. 

At XXXX on XXXX XXXX I attempted to make an in-person {$100.00} purchase with my Apple Card via digital wallet. The merchant told me the transaction was declined. I tried two more times with the same result. The advertised process is that AC/GS will send me an electronic notification to my phone and and email, regarding declined transactions ; I received neither. I tried to contact AC/GS via in-app " chat '' and was told it would be 100 minutes before someone could respond ( transcript attached ). I called on the phone and was told it would be 160 minutes before I could speak with an agent. Eventually I received phone call from AC/GS agent " XXXX '' or " XXXX ''? He indicated that the transaction seemed suspicious and was blocked as suspected fraud. After a very long discussion, he took two complaints, and told me I could expect a response in 48 hours. That was 12 days ago. 

On XXXX XXXX I contacted AC/GS via chat for status of these complaints. AC/GS responded " we are unable to access customer information at this time. '' How is this even possible? On XXXX XXXX, a chat agent told me they couldn't provide any update on my complaints. ( transcript attached ) Apple Card 's Terms and Agreement ( attached ) include provisions to use electronic communications, including email and on-device notifications. These services appear to be unreliable. This could put me and other cardholders at risk : is AC/GS is not sending the notifications? Are notifications not being delivered? Or are they delivered to someone else?

Company response to consumer: Closed with explanation