BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account with chime has suddenly been closed without explanation. Every time I try to contact their customer support team they send me emails saying that I need to send a photo of my Id. Then they never respond back this company has been putting me through this for over a month causing me to fall behind on rent and bills all of my money is in my chime account. And their customer service has been no help they won't even tell me why my account has been closed they just locked me out of my account with no warning or explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. 

Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. 

Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. 

Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. 

As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX  patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.

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

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: MD
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:
Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
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: Account information incorrect

Complaint:
The credit bureaus did not verify the accuracy of the XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

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

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a predatory lender. Selct portfolio services. I my original mortgage was with XXXX XXXX. SPS bought the loan, where the problem is they have sold my information to realtors but I cant out right prove but they have because SPS buy loans that are in danger of foreclosure. My problems comes with the escrow part they keep bumping my payment so high to where there trying to put me in danger of losing my house .I made all the payments and they keep double the escrow saying I need a cushion but they can not send me anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX, i called Citibank to transfer balance from my credit Union credit card account for {$5000.00}. Citibank said I could not make the transfer over the phone and I need to call the credit union. So I called my credit Union and made the transfer. But soon afterwards I realized this was not the correct- a payment should not be going to Citibank XXXX but a payment should have been coming from Citibank XXXX So I called my credit Union back to stop/cancel the balance transfer to Citibank, but credit Union said I had to call the member services department on Monday to cancel or reverse the balance transfer. And she assured me that the balance transfer would not be sent right away since it was the weekend. So I called Citibank back and asked again about the balance transfer and Citibank told me i couldn't make the transfer over the phone and had to make the transfer online thru their website. So I made the balance transfer online- {$5000.00} balance transfer to my Credit Union.. So I called my credit Union on Monday, XX/XX/XXXX, to cancel/stop or reverse the balance transfer to Citibank I requested in error. The manager at the credit union said ok, she would have the balance transfer stopped. But about three days later, I saw the balance transfer from the Credit Union posted to my Citibank account. My Credit Union did not stop the balance transfer transaction and did not notify me about my transfer. So I called the manager at Credit Union on Wednesday, XXXX XXXX, and asked her why she didn't cancel my balance transfer. The manager said she couldn't stop an electronic payment. So I said that she should have told me that from the beginning instead of having me believe she could stop it. The manager just apologized and said she didn't know she couldn't stop an electronic payment already in route. So I called Citibank and explained situation and requested they send back the {$5000.00} payment from Credit Union or send me a refund check for {$5000.00}. ( my balance at Citibank was only {$35.00} when they received the {$5000.00} payment from Credit Union ) They said they would investigate and send me a refund, but I received a letter from Citibank on Wednesday, XX/XX/XXXX stating that I'm not receiving a refund. I called Citibank again today, XXXX XXXX requesting again the {$5000.00} payment and asking why the letter i received from them denied my refund request. Citibank stated they would investigate.

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 2023-02-28
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Check never came and they will not comunicate at all. 

XXXX, XXXX XXXX XXXX, XXXX XXXX email from XXXX, XXXX XXXX XXXX XX/XX/XXXX you wrote Thank you very much for sending the document over, I will proceed in closing the account. 
The check will go out Monday and should take 7 to 10 business days to arrive. Please let me know if you have any questions. 

Was the account closed or is still being drained with inactive account charges? 
Do you know why we never got the check? 
Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account with credit acceptance Corp is inaccurate and completely reporting the wrong amounts 15 U.S. Code 1681i Paragraph 5 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Credit card was opened in my name without my permission onXXXX. The card was issued by JPMCB. On XX/XX/23 I recieved a letter from JPMCB stated they required more information to complete my credit card request. I DID NOT provide any information because I was suspious of this letter since I never applied for a credit card with JPMCB. I recieved a seconf letter stating my request for the card was denied. A XXXX  letter was recieved stating they had re-enstated my card application and sent me XXXX credit cards. When I recieved the cards I did not activate them. On XX/XX/23 while checking my credit report I noticed this credit card from JPMCB was now on my credit report. I contacted XXXX to report this fraundulant account. I has since contacted JPMCB and had the card canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
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:
Today I saw an account that is not mine. Its XXXX  XXXX. This account loan was not opened by me. This is identity theft. No one contacted me to open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. Please take off my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Information belongs to someone else

Complaint:
The information that is being displayed on Equifax credit bureaus report for my information is wrong and invalid. The other two bureaus have removed false information about my credit file. I have sent countless letters to Equifax and they will not remove the inaccurate items. I have been a victim of Identity theft. My information has also been taken from there own data breach which they have clarified themselves. If you could please assist in helping me remove the inaccurate item from my profile that would be great. 
XXXX XXXX- {$2400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX- {$750.00} and all hard inquiries before 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a widow that got diagnosed with XXXX XXXX XX/XX/XXXX. My prognosis was not good and I had no other recourse because of medical and financial reasons to let my California home, my primary residence, be sold at a non-judicial Trustee Sale for the first deed of trust XX/XX/XXXX. On that day, the property reverted to the beneficiary, XXXX XXXX XXXX XXXX  XXXX, for {$410000.00} which satisfied the {$380000.00} first deed of trust in full. XXXX was servicing the first deed of trust loan. I received a 1099A from XXXX to support the result of the XX/XX/XXXX Trustee Sale. The XX/XX/XXXX, 1099A was correct and I filed it with my XX/XX/XXXX taxes. To my alarm on XX/XX/XXXX, over a year later, I received a 1098 for XX/XX/XXXX, from a company I did not recognize, New Rez LLC dba Shellpoint, showing that I was still the mortgage holder and still responsible for the {$380000.00} loan and still the owner. The XX/XX/XXXX, 1098, showed that I paid into an escrow account in XX/XX/XXXX for {$2100.00} for property taxes. I never paid into an escrow account, and the {$380000.00} was satisfied in full. The 1098 showed NewRez acquired my loan XX/XX/XXXX. The 1098 was erroneous ; should not have had my name on it. I immediately contacted the company by certified mail and fax, providing legal documents and correspondence advising that I am not the owner effective XX/XX/XXXX. I followed up with a phone call to the company. I spoke with XXXX, a rep in customer service. She acknowledged that the company had received my legal docs and correspondence. I asked to speak with her supervisor. The supervisor, XXXX XXXX, refused to speak with me saying through XXXX, that NewRez would not take my name off of the loan and NewRez would not send me a corrected 1098. NewRez recognized me as the mortgage holder/owner. Ms. XXXX said I DO owe  the {$380000.00} mortgage though they have the legal docs proving otherwise. The stress of this situation is almost too much to bear. I have since discovered that NewRez purchased XXXX. I have also discovered the property has been sold twice since I owned it, once XX/XX/XXXX and again XX/XX/XXXX. I feel NewRez is knowingly trying to take advantage of me and intimidate. 

I have uploaded files to submit. The Trustee Sale document shows that the property reverted to the beneficiary, XXXX XXXX XXXX XXXX  XXXX, on the date of the Trustee Sale, XX/XX/XXXX which is the date my ownership ended. The other document is from XXXX County, the county where the property is located, shows the Trustee Sale was recorded XX/XX/XXXX. ( Personnel from XXXX County say the delay to record is normal. ) I have submitted the correct 1099A for XX/XX/XXXX from XXXX. I have submitted the incorrect 1098 for XX/XX/XXXX from NewRez. Thanks so much for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-03-04
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SOUTHWEST CREDIT SYSTEMS. Have reported a collection account on my credit that isn't accurate. I do not owe them, never had or applied for credit with them! They have fabricated dates that are not true and a dollar amount that is false, They have threaten me through my credit report with a negative impact of a collection that isn't true by no means. This matter have been disputed once before in XX/XX/2020 with the credit bureau. Southwest credit system have violated my rights, and they have totally ignored the statue of limitations.. They are willing to do damage at any cost! This threatening behavior must stop! They have put this negative information on my credit report and now I'm suffering with higher rates on insurance and higher interest on credit cards and also affecting employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: MD
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:
I was a victim of the Equifax data breach. 

I was a paid subscriber for many years, recently after I was a paid consumer I went to refresh my credit score, I was met with a prompt that before I could refresh I a had to agree to hold them not liable for the data breach. 

I got a copy of my Equifax credit report with many inaccuracies including hard pulls I never authorized, I wrote them and they refuse to investigate, they offered no evidence these inquiries are legitimate and I to, d them that I never authorized these inquiries.. the letter they sent me, ( I will include a copy ) they stated these are a matter of fact, but the the fair credit reporting act says that I had to authorize these inquiries which I did not ...

Company response to consumer: Closed with explanation