BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of possible identity theft. An amount of {$4100.00} has been placed for collection by XXXX - on XXXX/XXXX/XXXX - through a collection agency named Convergent LLC based in XXXX in Washington XXXX ( XXXX ). I have not subscribed to XXXX as XXXX XXXX XXXX has been our communications provider for decades. I added XXXX phone/internet/FiOS service in XXXX XXXX. I had some messages from XXXX collection at that number ( XXXX ) but ignored those thinking these were for the previous holder of that number. 

I have so far informed the XXXX credit bureaus and Washing State Consumer Complaints division. 

As a XXXX I am charged with reporting any such fraudulent activity affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.

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 2016-12-22
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An unkown friend put money into my account. I could not identify the source, the bank took my money. 
The bank does not know where the money came from. 
I want my money back.

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 2022-03-23
Company: EQUIFAX, INC.
State: FL
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-04-24
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a cash management account with Robinhood. However I requested an ACAT transfer to another institution which they later denied. But ever since now I cant use my debit card and all my EFT payments using account and routing numbers have been declined. As well as deposits, withdraws and day to day transactions. Ive ask many times for a fix but no response as of yet and its been a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: MO
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 rewards from credit card

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1687 section 602 A. States I have the right to privacy.

15 U.S.C 1687 Section 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 2022-03-23
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:
I Have provided Evidence to Experian, XXXX, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.

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 2020-03-12
Company: EQUIFAX, 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:
I have sent in the appropriate documentation that supports proof that an account with XXXX  was fraudulently opened. I have used all appropriate channels and submitted all required documentation including the attached police report and FTC fraud affidavit and filed a dispute with XXXX  ( Equifax ). They concluded the dispute by not removing the fraudulent account. I am in dire need of financing related to the XXXX. I am asking that this account be removed from my credit report as it does not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
Comenity Bank who is financing my XXXX XXXX Credit card has been charging me late fees from paying the late fee late. 
I have no more balance from the purchase that I made worth XXXX, my balance right now is XXXX. All just late fees. 

XXXX XXXX, XXXX is my due date for the credit card, I paid the credit card XXXX XXXX so I was charged a late fee of XXXX I emailed and got the fee reversed because I was a new customer. I had a balance of XXXX from that XXXX original purchase but because I had thought I had set up my account for auto pay I was late again and my payment went thru on XXXX XXXX, XXXX. 

So i was charged another late fee of XXXX again which now they were not able to reversed. So I paid for it on XXXX XXXX. That was my only balance because I never used my card after that. But I did not know that they have added a minimum charge of XXXX on XXXX/XXXX/XXXX. So the next month I did not even check the account cause I was sure I had XXXX balance, I was surprise to see my bill they charged me another XXXX late fee of the XXXX ( finance charge ) balance that I did not know about. Added another XXXX on XXXX/XXXX/XXXX another late fee XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX minimum charge XXXX, XXXX / XXXX late fee XXXX minimum charge XXXX/XXXX/XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX. 

These are all just from the late fees, my purchases were all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I mobile deposited a check with Chime. After realizing a short while later I called Chime to cancel the transaction, which they offer as a service. After waiting on hold for nearly 2 hours a representative answers and I explain what Im looking to do. She advises I need to speak with a supervisor and transfers me. I wait on hold for another 45 minutes and finally get connected. I explain to the supervisor I want to cancel my mobile check deposit so I can take it to the issuing bank and cash it. The supervisor tells me no need to do that because all of my funds would be available that night between XXXX. After hearing that I decide not to cancel the check thinking I will have my funds when I wake up. Next day wake up and no funds. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was advised by every representative I spoke to that all of my funds would become available shortly after our call ended. On one of the calls the representative even said he was sending a note to the processing team to speed it up and assured me that within 30 minutes to 2 hours I would have all of my funds. Again here we are its the 5th and still no funds. Yesterday I called and asked to speak with the highest manager which I was connected to after 3 and a half hours of being on hold. He claimed he was opening a case to review all of the calls and would also try to speed up the process of releasing my funds. Told me to keep an eye on my emails because someone would be contacting me soon regarding the situation. Its now 24 hours later and I have no heard from anyone. Bottom line I was mislead and lied to on multiple occasions. My original plan to cancel the deposit so I could go to the issuing bank was changed due to a lie. Had I been informed of the actual process and timeframe it would take for this transaction to happen, I never would have just left the check in the bank. This was a check from my employer for emergency funds which I could of had almost a week ago now had I not been mislead and lied to repeatedly. This is the worst customer service Ive ever seen in my entire life. The check was for {$1200.00} of which {$200.00} was released the day after depositing. My account with them has monthly direct deposits of between {$15000.00} - {$20000.00}. Im finding it incredibly frustrating with that amount of money going into my account they can not release {$1000.00}. I would not be upset at this situation had I made the decision knowing it would take nearly 2 weeks to process. Again I was mislead and lied to by 3-4 representatives and 2 supervisors. Chime has the worst client service team Ive ever experienced and they clearly could not care less about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the Scammer, through my XXXX XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Information belongs to someone else

Complaint:
Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2021-01-05
Company: Experian Information Solutions Inc.
State: UT
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:
US Dept of Ed/XXXX/XXXX  - XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with them was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need the US Dept of ED to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.

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 2021-01-05
Company: WELLS FARGO & COMPANY
State: GA
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: Problem with personal statement of dispute

Complaint:
I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the XXXX XXXX XXXX XXXX XXXX is not removing one fraudulent account from Wells Fargo. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from Wells Fargo. 
Unfortunately, XXXX XXXX is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.

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 2022-10-11
Company: EQUIFAX, INC.
State: WI
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. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Wi XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I hired a cleaning company for my fathers home. The woman started the cleaning then left and never came back. I have tried contacting XXXX XXXX, the company to no resolve. I finally contact my bank to file a claim. They took extra time even calling me to let me know they were working on it. Then I contact them once denied a few hours later and they state they dont handle those type of issues. Yet they started a claim and provided credit giving me my funds back which have been gone for several months. Only to be told by corporate that they dont handle what they call third party payment issues. Acknowledging the process should have never taken place soon to cause my account of over a decade to go negative with no regard. He asked if I wanted an apology letter. How is this protecting my funds? If this was the case it should have stated as such and I would not be looking at {$700.00} worth of debits coming my way next week. If Chase policy is no retrieving funds for third parties then why would they do this to someone and take weeks? I was led to believe it worked as any other transaction. The dates are in attachments for timeline purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
M & T bank had an opened checking account in my name on XX/XX/2022.

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 2021-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The IRS has sent my Stimulus check to my closed account saving account ending in XXXX via Chase. However, I reached out to the escalations team member XXXX and they told me that if I do not reopen an account then they will send the money back to the IRS. 

Unfortunately, I was unable to open a new account because I owed a balance with an old checking account. Therefore, I reached out to XXXX ( XXXX ) and he advised me to open a new account at the local branch, but he could not guarantee that the stimulus check would transfer to the new open account ( if I get approved ). 

Like I mentioned to him, I do not have transportation to get to a branch and it is late in the day and the branches are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There have been unauthorized charges from XXXX since XXXX, 2022. I have reached out to XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: SC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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