BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chime denied my disputes against XXXX who sold me defective merchandise and refuses to return it, under Claim ID : XXXX ( {$780.00} ) and two out of the three disputes under Claim ID : XXXX ( {$270.00}, {$31.00} ). I provided Chime with proof via photos and video of how said goods were defective and not as described. Although theres no reason they could possibly provide that would justify them denying my claim, Chime did not even provide a reason whatsoever for their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Letter dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating {$2000.00} owed creditor : Capital One Bank, account # XXXX, file # XXXX. 
Attempting to collect a debt. 
No knowledge of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a copy of my consumer credit report and have found LVNV FUNDING LLC reporting on my consumer report for an amount of XXXX. I do not have a contract with LVNV FUNDING LLC, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with LVNV FUNDING LLC. This account needs to be immediately XXXX out and deleted from my consumer reports. LVNV FUNDING LLC has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If LVNV FUNDING LLC does not cease collections attempts and XXXX  out the balance LVNV FUNDING LLC will be charged XXXX for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: CBC Companies, Inc.
State: VA
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:
Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-09-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today morning my account with chase was closed and my debit card was closed. I called chase a lot but customer service would not tell me the reason for closing my account. I went to the bank and the manager told me it was because I was using a lot of XXXX transfers. But my XXXX was used with fellow students and my XXXX and my landlord who rent the house to me, not for any other purpose.Chase bank closed all my accounts without giving me any chance to explain. I don't know why they were so rude, it led to me not being able to change my credit card immediately and it seriously affected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act, these accounts listed has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX at the TD BANK XXXX XXXX XXXX XXXX, NY XXXX location, at XXXX, I made 3 cash deposits, 1- deposit of {$1000.00} record no. XXXX, 2-deposit of {$2000.00} record no. XXXX, for the second deposit the ATM only deposited {$1100.00} and returned me {$840.00}, I recount the {$840.00} in front of the ATM camera and redeposit the {$840.00} again for the 3rd deposit, the ATM asked me to manually write the amount deposited, so I did {$840.00}, record XXXX at XXXX XXXX the ATM receipt stated " force deposit '' we are unable to provide the details of your deposit at this time, application ID XXXX, I called on XXXX to file a claim at XXXX and the rep advised me to wait till the next business day, on XXXX at XXXXXXXX XXXX description phone # XXXX XXXX #, I called the spanish line to file a claim and the female rep was not helpful at all to help me submit the claim, on XXXX I called to re submit the claim and the rep was very helpful, my claim # is XXXX, I received a letter from TD BANK dated XXXX stating that TD BANK only deposited {$20.00} of my {$840.00}, I need somebody to help me with this issue, they`re cameras and only one ATM machine inside of that location, these transaction were made during working hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Payment are {$170.00} for the first year and {$420.00} beginning XXXX year. This can not be right. 
After several emails to Aidvantage without response. I can't even get Aidvantage to respond to questions about what pay plan my account is tied to. It is supposed be the XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
I had a court date on XX/XX/2022 and I was told by the judge that I need to return my key to the property and arrange a payment plan. I was told that I owe {$3000.00} but once I check my credit report it says that I owe {$5000.00} which will make it fraudulent charges to that account. I have tried resolving the issue with the property manager but I cant get any response so I was wondering is it possible that I can get this collection removed from 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 2020-06-20
Company: EQUIFAX, INC.
State: WA
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:
These are not my accounts, names on file, authorize any of these companies to run my credit, nor did I live at these addresses. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MS
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 would like to update my address on my consumer report

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 2022-12-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac started out by taking months longer to close my loan than promised. 

Now they finished by failing to send an escrow refund in the XXXX days required by law. They claim to have sent the refund, but its been over the XXXX mailing days that is reasonable to receive a refund check ( and theyve ironically sent several other documents that dont cost them money ), but were sitting at XXXX days past closing and the escrow refund is nowhere to be found, while I have to move and need my money. 

Absolutely horrible, dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with XXXX for the past two years to get a home loan with Bank of America. My closing was schedule for XX/XX/XXXX. On XX/XX/XXXX my file to updated and showed, " XXXX pending compliance and verbal verification of employment. '' Two days later, underwriting was suspended and additional conditions was placed on my file. All additional information was provided and closing was then extended to XX/XX/XXXX. My XXXX counselor and closing attorney has tried with no success since XX/XX/XXXX to contact someone in the underwriting department of BOA and no one is responding. I have already wired my closing funds to the attorney. Due to the explainable delay, I was forced to give up my apartment and place my belongings in storage.My son and I am now living in car just to achieve the American Dream. I have XXXX and my health is being seriously impacted by this as well. Moving my stuff to the storage unit cost me {$820.00}, which means I will be charged another {$820.00} to move my stuff from there. I was told by another agent that works with XXXX that she has clients that were cleared to closed since XX/XX/2019 and Bank of America still has no sent the paperwork to the closing attorney. 
I would really hope that Bank of America is not intentionally stall the XXXX loans. I just want to close on this house and get on with my life. I am afraid that the seller might terminate the contact and walk away with my earnest money. PLEASE HELP ME!!!!!

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 2022-08-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Over the past 6 years Wells Fargo has discriminated against me with not only opening a credit card but with opening a check back when they offered a {$100.00} bonus for opening a checking account and utilizing the debit card 5 times - my account was never opened & i was denied credit after several years of on time payments proving discrimination by this company- around XX/XX/2022 I received letters stating the opposite

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 2022-08-01
Company: EQUIFAX, 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 received multiple alerts from my credit monitoring company advising me that my credit report was being accessed on XX/XX/2022 by XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Equifax of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. I have made multiple attempts to fix this issue with Equifax to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Equifax. 

In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well I been getting my XXXX check deposit on my chime account and all of a sudden when I went to check see if I got my check on the XXXX I always get it on the XXXX and when I check my chime for my XXXX check and try to take money off my chime card the ATM declined it and when I try to log into my chime account after my XXXX check was deposited chime closed my account And I can't called them and see why they closed my account after I got my XXXX check u have to have a account to call them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was given a loan estimate with a loan amount of {$590000.00}. The seller agreed to {$6000.00} of concessions for house repairs, therefore the closing costs should have been reduced by {$6000.00}. Instead Chase decreased the loan amount by {$6000.00} and left the closing costs the same. I didn't notice because Chase did not send me the final Closing disclosure until literally 25 minutes before my closing appointment at the title company. They basically stole {$6000.00} out of my pocket. 
Chase also failed to wire the money to the title company by the closing deadline, so we were not given the keys to our house on closing day. Chase guarantees they will close on time or they will pay you {$2500.00}. So far they have not honored this guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2022-08-01
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: Account information incorrect

Complaint:
I had a court date on XX/XX/2022 and I was told by the judge that I need to return my key to the property and arrange a payment plan. I was told that I owe {$3000.00} but once I check my credit report it says that I owe {$5000.00} which will make it fraudulent charges to that account. I have tried resolving the issue with the property manager but I cant get any response so I was wondering is it possible that I can get this collection removed from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have been attempting to close my account since early XXXX. With Multiple calls and continued reasons why, this account can't be closed due to self-induced bank fees. First call, the representative said he would close the account, in which the account ATM card is no longer in service and can't transfer any reminding balance out of the account. Second call, the account went negative although there was a positive balance and the {$30.00} overdraft fees were waived. XXXX XXXX, the account was positive {$8.00} dollars but was over drawn due to Bank XXXX XXXX and explained to the representative. The account has overdrawn by {$11.00} dollars, Negative. Customer service refused XXXX ) Talk to a Manager 2 ) Request a call back from a manager 3 ) Talk to the Office of the President. There are no charges on this account. There is no autopay 's debiting. The Bank simply won't close the account until I pay their self-induced bank fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief