BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent Chime account was opened in my name. On XX/XX/2022, I received an email from XXXX, Chime CEO welcoming me to Chime. On this same date, I received another email alerting me to a new login to my Chime account ( fraudulent ) from an XXXX  device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my Chime account had been updated to a different email. I contacted My ID Care on XX/XX/2022 to report this and was assigned to a Restoration Specialist. The Restoration Specialist was able to get someone on the phone at Chime. The Restoration Specialist shared he was able to get someone on the phone by sharing my personal information such as DOB and last four digits of my SSN. The Restoration Specialist and I spoke to the person at Chime on XX/XX/2022. She said she would elevate to their fraud department and provided me with a case number. She said I would hear from the Chime Fraud Department within 24 hours. I never heard from Chime in response to this complaint. On XX/XX/2022, I received a Chime XXXX XXXX card in the mail. On this same date, I sent an email to XXXX advising them that I received the debit card. I informed them that I did not open a Chime account and this was reported to Chime on XX/XX/2022. I requested confirmation that the Chime account was closed as well as the debit card. I asked if debit cards in my name were sent to other addresses. I also shared that I reported this to my local police. As of XX/XX/2022, I have received no response from Chime. I want confirmation that all accounts in my name have been closed as I did not open any account at Chime. I am very upset with the lack of communication from Chime on my complaint about the account and the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CarMax, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently noticed a numerous amount of auto loan inquiries on my credit report and filed a complaint. My personal information was compromised in a data breach and I fear this may be why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I orginally started with just two direct loans one subsidized and one unsubsidized loan with XXXX. I learned that had expanded over my attendance at devry was actually 9 loans each with different interest rates, to which i was never notified or was had explained. This has made my loans near impossible to pay with minimum payments being 500+ dollars, this has negatively impacted my credit greatly. And also has caused my much emotional and mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo makes it a pleasure to charge {$35.00} overdraft fees, it less than a month I have been hit with {$100.00}.

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Southwest Recovery Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and found a Southwest Recovery Service collection account with a balance of {$330.00} dollars, which does not belong to me. The original creditor is XXXX XXXX XXXX XXXX XXXX in the state of Texas. I contacted the XXXX company directly and explain this problem, the representative told me to send a police report to them and a description of the problem. I have never lived or visited the state of Texas. I want to report this as fraud and I want a solution to this problem. Thank you. 

XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX ( XXXX ) XXXX Customer care : XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
While requesting my ( 3 ) free annual credit reports at XXXX and after completing the online steps, I was able to download 2 of the 3 reports ( XXXX  & XXXX ) yet when I reached the final page to obtain the Experian report, their website stalled & would not download my report. After a few minutes, I was forced to refresh the webpage and after following the identity verification steps, the webpage stated that it had " timed out ''. The system thinks I've received that free 1-time report & therefore I believe I'll have to make another request which I'll have to pay for.

I proceeded to call both the phone number listed, as well as the one provided to me by your Consumerfinance.com representative, yet I could only access an automated phone system, which had no options to speak to anyone or even submit this request. 
I would simply like to receive my free report ASAP, and would appreciate any assistance on your part. 
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 2019-12-27
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'Resurgent/LVNV Funding. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. Yes - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted Resurgent on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 may 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 2019-12-27
Company: Experian Information Solutions Inc.
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:
I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to Experian, XXXX, and XXXX  about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, XXXX, and Transunion about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.

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 2017-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, XXXX, I sent a letter of dispute to Equifax that involved a public record showing on my credit report as it is showing inaccurate information. On XXXX XXXX XXXX, I recieved a notice from Equifax displaying the results of the dispute. Equifax stated that the information was verified through a consumer reporting agency called XXXX. In XXXX of XXXX, I placed a security freeze on my account with XXXX, as a result, on XXXX XXXX, I contacted XXXX in regards of my information being released to Equifax because I originally initiated a security freeze on my account.I spoke with a represenitive by the name of XXXX XXXX XXXX ) and he explained to me that once a security freeze is placed on the account, no information is released without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating that they obtained information when they have not. I dont feel as if a thorough investigation has been done as it only took them about a week to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we closed our current primary mortgage with XXXX XXXX ( XXXX ) in XXXX, Ohio. In XX/XX/XXXX, we were notified that our mortgage had been sold to Fifth Third Bank ( FTB ). We called XXXX and were given our FTB account number for interim use as well as told we would soon be receiving a welcome letter from FTB. In XXXX, We set up auto payments to the FTB account number we were given. These were made as arranged. Though we never received any welcome letter from FTB ( and we have requested it multiple times since ), in XXXX we received notice from FTB that our mortgage was in default and threatening foreclosure. After two full days of discussions with FTB, we determined that the FTB account number we were given was incorrect and with no initial documentation from FTB, we had no way of knowing this. Our payments were credited to someone elses FTB account, but those payments otherwise complied with all other requirements of our account in terms of amount and due date. FTB representatives ultimately transferred our past payments to our account but demanded almost {$900.00} in additional escrow payments. Apparently an escrow analysis was conducted before we received the first and only communication from FTB ( the default notice ) and this analysis assumed we had made no payments. Initially, we were told that if we paid one month of the escrow shortage, all would be even. We paid this amount separately only to again receive a notice of being in default. Upon contacting FTB, we were told the information about one monthly payment resolving the issue was wrong but it didnt matter. Either we pay up or we would lose our home ( this is almost a direct quote from their so-called customer service manager ). She helpfully added that SHE had the last word on this and that we better take this seriously unless we wanted to lose our home. Its worth noting the further incompetence apparent in our dealings with FTB. If each new department I called was to be believed, there was no record anywhere of any of my previous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-10-16
Company: Law Offices of Crystal Moroney, P.C.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX XXXX I received a notification from XXXX XXXX stating that I had XXXX new collections reporting on my credit report from XXXX XXXX XXXX XXXX stating they were all opened in XXXX XXXX. I have no knowledge of this debt nor have I ever received any written notification, phone calls, or proof of the alleged debt.

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 2019-12-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian let someone steal my identity and access my private information for criminal activity. Now I am unable to see what the thief has done under my name.

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 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were shopping for Mortgage loan soon after our house contract was sighed. At the very beginning, we talked to XXXX XXXX and were very happy with their offer. BOA Mortgage Lender approached us and agreed to match XXXX XXXX  offer. Because of this, we turned off XXXX XXXX offer and chose BOA given that we are existing BOA customers, we thought it may help to streamline the loan application process. Unfourtnately, the experience was very unpleasant. 

- BOA failed to provide the offer they agreed. At the time when the lender approached us, she agreed to offer us a 3.125 % interest rate with no point and no application fee. However the loan estimate has both point and application fee. We questioned the discprapancy and the lender explained it was due to internal system internal issue and she will get it refund to us. Given the tight closing time, she suggested us to proceed with the loan to avoid delay and promised to refund the difference to us. 

- BOA failed to respond and resolve this issue in a timely manner. We keep asking for the refund progress but no response yet. The issue was escalated to the lender 's VP and then another division. We were informed the person was on vacation and no estimated time of cure was given. 

- BOA failed to act professionally. I 've seen several mistakes at the closing statements - typo in the address of property we bought, revised closing figure which we percieve a reasonable lincesed lender would not do so. The clsoing date was delayed because BOA failed to provide all documents to escrow timely.

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 monetary relief