BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed 3 reports of fraud on my Chime banking account. The first was late at night and during the night it was closed. This proved to me the system automated its response and didnt actually investigate. I filed two more reports shortly after of other instances of fraud I find on my account. One was returned by the company that charged it. The other is outstanding. Chime took slightly more time to investigate, but still reports they found nothing wrong. They refuse to take a statement from me and listen to what I had to say. I even provided proof after the cases were closed and they refuse to open the case again, even after saying they would. I looked online and Chime has a long, long record of this issue. They refuse to stand up and protect members from fraud. They even made several news stations for this issue. At this point, I believe the company is willful negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In the early hours of the morning of Saturday, XX/XX/2022, my XXXX son was blackmailed into sending money to a stranger. The scammer was relentless, demanding XXXX separate payments of {$300.00}, {$400.00}, and {$500.00} via Chase and XXXX ( {$1200.00} total ). He gave my son the email address XXXX for payments. At that point, my son enlisted my help to stop the scammer 's escalating demands. He blocked the scammer on social media, and I called Chase to report the fraud right then, at XXXX XXXX. No one was available to take the call. 

I called back at XXXXXXXX XXXX. and spoke with a Chase representative, XXXX, for XXXX minutes. I told her what had happened, and she informed me that she couldn't cancel the payments because they had already been delivered ( even though they were still marked " pending '' ). She would note that I called, and make a courtesy recovery for the purpose of filing a claim with XXXX. They would reach out to XXXX, but, she said that when it comes to personally initiated transactions, there was no guarantee of recovered funds. If we did get the courtesy recovery of funds, it would be from Chase. But she wanted to set my expectations that there was no guarantee of that happening. She also said they would flag XXXX, a Chase customer, to ensure he doesn't blackmail other people ( I gave her the email address we had ). 

On Thursday, XX/XX/XXXX, my son received an email from Chase dated XX/XX/XXXX, saying, " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken.This inquiry is now resolved. '' I have attached the letter for your perusal. 

I did not agree that no action would be taken. I listened to XXXX, but I did not agree nor consent to the matter being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 Midland Funding communicated negative {$4400.00} billing information to credit bureaus XXXX, XXXX, and XXXX without consent directly or indirectly they are a 3rd party collection agency who by identity theft ( Privacy Act 174 15 USC 1692C ) received my personal information from XXXX XXXX XXXX Bank ( original debt collector )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-07-28
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 2022-09-20
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am 12 days late on my credit card payment and have received 14 robo-calls from Citi bank between the dates of XXXX XXXX XXXX and XXXX XXXX XXXX. This feels like harassment and I've blocked their phone number on my phone, but this doesn't prevent them from leaving voice-mail and filling my voice-mail box, preventing me from receiving future voice-mail from potentially much more important people unless i go through and delete the voice-mail daily. On average, Citi bank calls 3 times a day, leaving voice-mail ranging in length from 1min 2sec long to 2min 11sec long. I'm well aware I have a payment due and I will be getting paid in the next few days to complete this payment as I do not want my account to become 30 days late. This feels like harassment and they shouldn't be able to call every day, 3 times a day, leaving 3 voice-mail a day... 

The payment was due XXXX XXXXXXXX XXXX 
These calls are on XXXX and each call has an accompanying voice-mail : XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls ( so far ) : 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 2022-09-20
Company: CITIBANK, N.A.
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:
This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. 

In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2022-06-26
Company: EQUIFAX, INC.
State: NY
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 Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also States a consumer Reporting agency can not furnish a account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2023-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, the companies attached has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2022-06-06
Company: EQUIFAX, INC.
State: NJ
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:
I sent a letter off on XX/XX/22. To remove personal information that I do not want on my credit report. According to the fir credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I sent a letter off on XX/XX/22. To remove personal information that I do not want on my credit report. According to the fir credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Public record information inaccurate

Complaint:
Toyota Corporation Says My XXXX XXXX Was Repoed This Is Incorrect On My Report I Bought Lease Out In XXXX Of 2020, I would Like For This Removed From My Credit Report I Sent Them A Letter Regarding This Matter And They Told me That The Credit Reports Say This And This Is Incorrect I Tried Applying Through Toyota And I Got Denied Please Need This Removed From My Report! I Bought Lease Out Through XXXX XXXX XXXX In XX/XX/2020!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I applied for a XXXX modification in XXXX with Wells Fargo due to being XXXX, they instructed me to quit paying my XXXX payment and would modify my loan. XXXX months later i was in XXXX I called and sent documents XXXXl times with no response. I called every week, they kept saying my documents were not received. Then I was denied. My house was going to be XXXX in XXXX of XXXX and thankfully my XXXXr left me XXXX when he passed and I Paid XXXX and saved my house. 
XXXX XXXX!!! This was so stressful and they just ignored me after they instructed me to quit paying my mortgage because they would modify my loan.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: GA
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 Reporting act XXXX XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALSO IN ACCORDANCE TO GEORGIA LAW ( OCGA 9-3-25 ) HAS EXCEEDED THE STATUTE OF LIMITATIONS

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 2022-06-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is in foreclosure since 2009. I have attempted in good faith to to mitigate this matter by offering a short payoff. Although the lender does not have an original mortgage note and the alleged modification was not signed by me or authorized. The attorneys have not worked in good faith. 
I have tried for several years to resolve this matter. I ask the CFPB to investigate my entire file and review all documents including but not limited to the mortgage note, allonges, assignments and any alleged modifications. Please note that all required notices were not properly sent to me or my deceased mother. I believe that the Dead Man Statute of XXXX XXXX  Prohibit foreclosure in this matter absent an original note or a authorized modification signed by both owners of the property.

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 2022-06-26
Company: Experian Information Solutions 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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: SYNCHRONY FINANCIAL
State: CA
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:
In XXXX of 2021, I purchased a tent and used my Paypal credit card to purchase. I never received the product and called Synchrony Bank/Paypal credit XXXX I have made numerous phone calls to Paypal credit trying to resolve this issue. They state that the retailer sent the product. I asked multiple times for Paypal credit to send me the tracking number, and that I would call XXXX XXXX myself to find out where the product is. After multiple attempts, faxes to the company that went nowhere, and numerous phone calls, I have no resolution. They are sending me statements and adding on ridiculous fees. I had asked them to send me directly to collections, since I have no intention of paying for an item I never received, and they won't do that. Instread they keep adding on fees for not paying the bill. Never received the product in the first place, and Synchrony was 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