BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2022, I filed a dispute with Chime Financial about the {$2.00} atm fees that have been accrued from my account since XX/XX/2022. The amount totaled over {$380.00} in just Chime fees. There was another {$400.00} in atm fees assessed from the owner of that atm. I told them that the reason why I chose to bank with Chime was because of their " no hidden fees '' claims. These fees are hidden. When using the ATMs, nowhere does it say that ill be charged {$2.00} from Chime. The only fees shown or stated are the fees from the owner of the bank which I was aware of and paid. I've contacted Chime multiple times since XX/XX/2022 and filed multiple disputes before they got back to me on XX/XX/XXXX. The email said they investigated my claims and concluded no wrong was done. Well claiming they have no hidden fees and then charging hidden fees is bad business practice and id like my {$400.00} back that they stole from me. This is the Chime dispute # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone open XXXXXXXX XXXX XXXX  cards in my name in XX/XX/13 & XX/XX/13

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
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 XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-27
Company: CORELOGIC INC
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 It also a consumer reporting urgency can not furnish a account without my written instructions 15U.S.C 1692C

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 2022-04-25
Company: EQUIFAX, INC.
State: NM
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. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX via XXXX INTERACT XXXX XXXX XXXX XXXX XXXX via XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my account This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made a principal payment of {$9900.00} on XX/XX/22. US Bank withdrew {$9900.00} from my XXXX XXXX checking account. However, US Bank has not given me credit for the principal payment. US Bank shows on my account activity a payment of {$9900.00} and then a payment reversal of {$9900.00}. When I spoke with customer service manager, I was assured that the {$9900.00} would be returned to my XXXX XXXX checking account. When after nearly a week I did not receive the {$9900.00}, I called back US Bank. I am now told by the customer service representative that the {$9900.00} seems to be lost in the process and was told an investigation has been requested. The investigation will take about XXXX business days. I want the {$9900.00} returned to me immediately and I do not want to be charged the interest on my XXXX  loan for this amount while my money is missing due to the fault of US Bank.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: CA
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. 

In accordance with the Fair Credit Reporting Act XXXX 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 Section 604 A Section 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-07
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/20XX/XX/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 2022-06-01
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2002 PayPal decided to permanently limit my account ( locking me out ). they stated that i can no longer use PayPal. keeping me from transferring my money from my account. I have gone through their steps to contact them, click here then click here and then click again. it then takes you full circle right back to beginning steps, I have tried to find out why account was locked but can not get a response from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX, I saw a lot of pre approvals on Credit Karma. At first I ignored the information but, Credit Karma continued to send me several pre approval offers stating that I was pre-approved for credit cards, personal loans, and I can refinance my automobile. I would see offers every day I would log on to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply. I got so many offers thru Credit Karma I started telling my friends and family about vacations and investments we were going to use these pre-approvals for. So I finally applied on or around in XXXX I got denied for 3 credit cards and a 2 personal loans, I was a little angry and disappointed because of the denials, and I felt deceived. I was heavily marketed too for months. So Credit Karma told me I was pre approved which was untrue. I was very stressed due to the untruth that was presented to me. My anxiety went form 0 to 100. Every time I see pre-approvals I get stressed out and uneasy. This was a trigger along with the Covid-19 pandemic that made me go into a downward spiral.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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 fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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

15 U. S. C. 1681 section A. Section 2. 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 2022-04-25
Company: EQUIFAX, INC.
State: CA
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. 

In accordance with the Fair Credit Reporting Act XXXX 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 Section 604 A Section 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 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 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 2022-07-28
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Failure to remove a debt paid in full from a credit report is against the law and failure to have said debt removed from collections and still trying to collect on debt that has been paid in full to the physical is fraudulent and grounds for a law suite . I have submitted evidence to reflect such payment in full to collections as well as ALL CREDIT REPORTING COMPANIES. If this debt does not get removed ASAP my lawyer is prepared to take legal action against all parties involved that are not conducting in the manner and are committing fraudulent acts against me and my good name and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
all loan apps denied, home mortgage, new auto and used auto, 1 mil in damages so far and adding with this company 15 usc 1692k civil liabilities Civil Liability Act 1936 An Act to consolidate certain Acts relating to wrongs. Contents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-06-27
Company: Turning Point Solutions LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from someone claiming to be from Advanced Capital Solutions claiming I owe a debt. They sent me an email stating how much I allegedly owe, but the information that was in the email did not advise me of my right to dispute the debt. Furthermore, the address and phone number provided does not match what is on the company 's website. When I googled the address a strip mall with a pizza place came up. Additionally, the phone number can not be found with XXXX. 

The phone number provided in the email is XXXX, but this is not the number they called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is another complaint against Shellpoint Mortgage Servicing 's response to complaint # XXXX. On XX/XX/XXXX XXXX from HUD and I spent over an hour on the phone with Shellpoint against their response that did not satisfy the complaint. They still refuse to give credit for the XXXX - XXXX, XXXX and XXXX payments and will not accept the returned payments to this month or terminate the foreclosure or wait for Real Time to complete their research of the misapplied payments from XXXX - XXXX. They also listed XXXX - XXXX as past due for the first time ever and refuse to give credit for the backup copies of cancelled checks sent for XXXX - XXXX. 
They said they sent annual escrow analysis statements but we did not receive one in XXXX or XXXX, not until this year when I learned our payment was increased in XXXX due to the escrow increase. Two checks were mailed, {$960.00} for the XXXX - XXXX differences in payments sent and {$4100.00} for the XXXX - XXXX they returned. They returned these two escrow payments but told HUD payment could be made on the phone- XXXX XXXX said no payments would be accepted. But they said they received {$2100.00} escrow payment on XX/XX/XXXX that they cashed and applied which I did not send. 
We submitted another loan modification application which XXXX XXXX stated documents were missing, I didn't agree but resent the documents. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was just told by a manager at Caliber Home Loans, that despite being negatively impacted by COVID-19 ( death in my household from COVID-19, laid off from work due to COVID-19, and assuming on the responsibilities of a dependent due to the death of one parent due to COVID-19 and the other by XXXX ) and turning in my request for a loan modification, I will still lose my home. I was told earlier today by another representative that my modification request was received and that the foreclosure would be postponed. Also, the day that the foreclosure notice ( XX/XX/22 ) was posted, I was emailed a modification application to which I completed and returned. The manager that I just spoke to said that the the application should not have been sent. Despite other representatives telling me that I qualify for hardship assistance, the manager is insistent that there is no one else that I can speak to, the decision rests with her and that there is not enough time to stop the foreclosure, despite it being over a week away and despite my application for assistance that I am told I am entitled to by having an FHA loan has been received by Caliber Home Loans. If I lose my home, I and my young cousin who also resides in the home ( who recently attempted suicide three times and is barely coping with the loss of her parents ) will be irreparably harmed and homeless. I am working now and could stay in my home with a hardship modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been violated by CHASE BANK. They have committed acts of fraud against me. I have reached out to them via U.S. Registered Mail with return receipt that one of their agents had received all mail correspondence. I have attached a copy of the final communication from CHASE BANK, and they have admitted to fraudulently processing my credit card ( Also known as ) my social security card for an auto loan application. They have violated 15 U.S.C 1602p " unauthorized use ''. They have also violated Cal. Civ, Code 1572 Fraud along with several other violations. CACI No. 1800. Intrusion Into Private Affairs. CACI No. 1804A. Use of Name or Likeness ( Civ. Code, 3344 ). As a result of their fraud, my consumer credit report has dropped causing me to be denied from other credit opportunities and paying a higher interest rates. They has never had my permission or authorization you process my credit card. They can't produce any application with my signature or my consent for them to process my credit card aka Social Security Card. I am prepared to take this commercial matter to court to get my remedy. Also shown in the mail correspondence from CHASE BANK, they refused to respond in a sworn affidavit.

codes violated : CACI No. 1803. Appropriation of Name or Likeness - Essential Factual Elements 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 78ff - Penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Personal information incorrect

Complaint:
My personal information is inaccurate. 

XXXX. My name is XXXX XXXX XXXX. Also known as XXXX XXXX XXXX. I no longer work at XXXX XXXX XXXX XXXX. Never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX

Company response to consumer: Closed with explanation