BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: ID Analytics, Inc.
State: MT
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Our business has been a long time Citi account holder and always paid our balance in full using autopay. In XXXX 2022 we stopped autopay and attempted to make partial payments online at the Citi site and got an error. Upon calling customer service and tech support, our issue was logged and we were told we would be contacted with additional steps or resolution for the error. Since then, I have called several times, filed a complaint with the XXXX XXXX XXXX XXXX ref XXXX ), sent secure messages on the Citi site and still we have no access to make partial or full payments online. We are extremely frustrated that this issue can not be resolved so that we can make partial payments on our own without the need for the auto pay setting on our account. I keep getting a lot of excuses from Citi and no resolution. No one person or department at Citi will take responsibility for this and each time I am contacted it is like starting all over so no consistency in action or building of action by Citi. I was even contacted on my personal cell phone and personal email about my personal Citi account rather than my business account and contact information, so clearly there is also a major issue with clear and proper communication to address a complaint at Citi. 

At this point Citi is falsely advertising the ability customers to pay in full or partial payments using the Citi website. We only have the option for autopay or phone in a payment. I can not believe all business trying to pay online with Citi are experiencing this issue. We have already tried multiple browsers as well as mobile access and still get the same error when attempting payments. We have removed and restored banking information and that too is not working. The specific error we are getting is " General Error, We've had a problem processing your request. '' It doesn't matter the amount entered, the same result happens. 

Citi closed the XXXX  complaint without fixing the problem so I now bring this to the CFPB 's attention that Citi has been notified of the payment issue for over 5 months and refuses to either remove the option for customer pay on its site or fix the issue. We have been forced to return to autopay to keep our credit and account in good standing.

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 2017-10-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In mid XXXX my daughters debit card was stolen there were several transactions made. We spoke with 's and was told that they would investigate. She was told that they were canceling her acct. After a few weeks a negative balance showed on that acct in the amount of XXXX. I have XXXX other checking accounts and they were all attached. On XXXX/XXXX/XXXX I noticed XXXX} taken from XXXX of my other act 's. And that same amount was pending on my daughters account I called and spoke with several people. XXXX @ XXXX, XXXX @ XXXX and XXXX XXXX @ XXXX. I was told by XXXX that my daughters acct was closed and no transactions were allowed and that at XXXX XXXX. the funds would be added back to my active checking account ( please listen to recording ) the next morning XXXX/XXXX/XXXX the funds had gone thru and her account was now XXXX I began calling I spoke with XXXX @ XXXX ish, XXXX @ XXXX call was escalated and I spoke to XXXX @ XXXX then XXXX from lost prevention @ XXXX then supervisor XXXX @ XXXX the call dropped and I called back and spoke with XXXX. Everyone else that I spoke to was able to access my account with no problems. When I got XXXX in the line he informed me that ALL of my act 's had been frozen and there was nothing to be done. I then went into a branch where I was told the same thing and that this was policy and procedure. They took my money after a supervisor advised me that they would n't and would not listen to the call because they said they were following procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: WELLS FARGO & COMPANY
State: NY
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:
XXXX and XXXX XXXX received a positive result on one trade line. XXXX  did nothing wrong, it's just that the person that updated credit for Wells Fargo Dealer Services made the necessary correction on a very old credit trade line, and they did not complete the same result for XXXX. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my XXXX report as 30-59 Days Past Due. This is causing me great problems on my credit scores with XXXX. I submitted a hard copy dispute several months ago, and Wells Fargo Dealer Services corrected the account with two out of three credit bureaus. I respectfully request XXXX  to complete another reinvestigation where Wells Fargo Dealer Services responds back accordingly.

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 2021-06-25
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I signed up with XXXX XXXX from XXXX XXXX, which represents Freedom Debt Relief. She did was not explain in detail the fees Freedom Debt charges after specifically asking Ms. XXXX about how does Freedom gets paid. She advised me that Freedom only takes 25 % from the deposits that were made. 

Even after speaking with numerous customer service reps and even after a customer service rep that I contacted on XX/XX/XXXX, regarding one of my accounts being negotiated ( XXXX XXXX ), still did not explain that this account was being charged {$1100.00} alone which is 21 % of how much the loan was negotiated and I had numerous accounts that was going to be negotiated. 

On XX/XX/XXXX, I spoke with XXXX XXXX on the information and advised and from what the previous customer service rep advised to me, regarding my fees on each account that Freedom charges on each account that is negotiated. That is when I have decided to cancel my Freedom account due to not given proper detailed information that I asked for even after I specifically asked for, which kept me from making a sound decision of my options with freedom. 

On XXXX/XXXX/XXXX, I requested to cancel my account with Freedom and refund my deposit of {$910.00}. My payments were deposits and deposited into a holding account, therefore my deposits are entitled to be refunded back to me. XXXX XXXX advise my deposits will not be refunded and on XX/XX/XXXX, advised my Freedom Account will be closed. Freedom Debt wasted my time and my debts went into default therefore I had to file for bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: MD
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:
It shows on my Equifax report that for the month of XXXX and XXXX of 2022, I have late payments for my Attorney General Child Support Account ending in XXXX. I have made the payment faithful to the point its garnished from my work wages. I have disputed it multiple times. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In my opinion the great scam continues. While we have a negative on our report we HENCE THE DISPUTE IS SLANTED IN FAVOR OR THE LENDER [ ALWAYS ] DO YOU REALL THINK THIS COMPANY GIVES A XXXX ABOUT EOPLE- MERELY OPINION.. THE FACT IS WE WERE MAKING PAYMENT ARRANGEMENTS WITH THE BANK.. I WENT INTO THE HOSPITAL FOR A MONTH WITH XXXX  XXXX XXXX AND XXXX XXXX AND WHEN i CAME OUT THE VEHICLE HAD ALREADY BEEN TAKEN.ANOTHER FINE EXAMPLE OF WE ARE HERE TO HELP DURING THESE DIFFICULT TIMES.yea right! So I can not access or use any of the so called avenues they claim to provide.to add to or modig=fy the dispute. Another FACT they conveniently ignore in Washington, the CFPB and Credit reporting agencies = need a laugh here is some more fact 1 Dial XXXX to call the Experian corporate office. Experian doesnt technically have a customer support department, and the number listed on their website for customer service is simply an automated system for victim assistance. If you want to speak with a person, you can get personal assistance by dialing the Experian corporate office and getting redirected after their automated system cant find your information. [ 1 ] The automated system will fail to find your information even when you enter it correctly, so dont hang up or get frustrated if the menu prompts fail to identify you. 
This number will help you reach someone to assist you with your questions or concerns, but it is advertised on their corporate website as their office number. 
The corporate office is available Monday through Friday from XXXX XXXX to XXXX XXXX PST.

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 2022-06-13
Company: Grain Technology, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a line of credit/credit in the amount of {$1000.00} from Grain XXXX XXXX The only way to make payment to Grain is via their app. No website, phone or mail options. On XX/XX/XXXX I attempted to login and make payment. However the app required me to verify my identity by uploading a copy of my social security card. I uploaded a copy of my social security card on XX/XX/XXXX and the informed that it may take up to 5 business days to complete the verification process. After 5 business days with no response and still not being able to login to make payment, I emailed the Grain Support Team on XX/XX/XXXX after waiting patiently. An automated message replys that they apologize for the delay and will have someone get back with me. Still no resolution and assistance, I direct message Grain on XXXX. They respond immediately and again apologize and have XXXX email me on XX/XX/XXXX. XXXX suggest that I uninstall and reinstall the app. I did that several times and could not login. He asks for my operating system ( XXXX ) and says that XXXX get back with me. After not getting a responds within 3 days, I follow up via XXXX and email reply to XXXX. He replys with the same suggestion which I explained in detail to him with screenshots verifying I couldnt login. I then receive a credit monitoring alert that Grain reported me 30 days past due which is detrimental. I follow up on XX/XX/XXXX via XXXX with the same message sent to XXXX. They only respond with, we apologize, well have some follow up. I uninstall and reinstall the app on my own to try and resolve the issue and the XXXX XXXX XXXX says that the Grain XXXX app doesnt exist. I have emails and screenshots of all conversations and from the XXXX store if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX separate transactions came out of my Chime bank account in the amounts of {$310.00}, {$100.00}, and {$100.00} from a merchant by the name of XXXX and I did not authorize these transactions nor do I know how you all could have processed them. I have no open rental or any pending charges on my XXXX account. I immediately called XXXX about my concerns and they confirmed that those transactions were not on my account and were not attached and instructed me to contact my bank for the dispute. I called my bank and alerted them of these fraudulent and unauthorized transactions and at the time ( XX/XX/XXXX ) the three transactions were in " pending '' status so they claim they could not do anything regarding a refund but they stated that XXXX did cancel the transactions and they should cancel within 7 business days and the funds should return to my account. On XX/XX/XXXX I checked my Chime account and I saw all three transactions were settled. I called Chime support and spoke with the dispute department and a dispute was filed on my behalf over the phone by a representative. I was given a claim number ( XXXX ) and was I told that I was eligible for a provisional credit and that I should receive a confirmation email with all of this information. Credit never arrived ( of course ) and I got a decision for my dispute less than XXXX hrs from filing it and the decision was DENIED. There are several things wrong with that decision as XXXX and Chime agreed that the transactions were indeed fraud but I had to wait until they stop pending to file a dispute if they weren't canceled off but as I stated above they didn't cancel off as they said they would and they settled so that is why I went the dispute route and got it denied. I immediately called Chime to get to the bottom as to why it was denied and they offered to file a rebuttal but I am not hopeful that they even called the merchant to discuss anything or I would have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have never used my credit before, meaning Ive never had an actual score. I went to check my score a few days ago and realized that I actually had something there yet it was not familiar to me. I have never had an account with XXXX and they have no trace of me owing them anything. There is an inquiry that I have an outstanding balance of XXXX $ with them and I would like to remove it. However, when I try to dispute the claim they just send me back and forth from online to over the phone until I give up. It is not fair that my first credit score was based on a false inquiry.

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 2019-07-29
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:
Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
Equifax obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
DearCFPB,Finallyafter2yoursoftryingtofinalizedmyloanmodificationthanktoyourinterventiontheyfinalizeditthismonth.NowthenewissueisthatontheirsystemshowsthatimissedapaymentbackonXX/XX/2018thatisnotaccurate.IhavebeendiligentlymakemypaymentsincemyloanmodificationapprovalabackonXX/XX/2018.

attachedisproofofallmypaymentsnowthatinaccurateinformationisonmycreditreport.

IhavesendanddiscussedmypaymentswithHomepoint.

Company response to consumer: Closed with explanation