BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have applied for a mortgage with Rhode Island housing. They have been unable to finalize my loan because Equifax has a freeze on my Equifax credit report. I have called and they advised me I would need to send my Driver License and copy of my SSN card to verify my information. I faxed over per there request multiple times and sent it with mail confirmation. They have stated they can not read my license. They ca n't tell me if they received the mail copy even though I have confirmation they received it. They will not allow me to email the information directly to someone. Every time I call them state the license is unreadable and the only option they give is to mail it. I have been trying to contact customer service now for over a week and unable to get someone on the phone, In the meantime I can not proceed with the mortgage until they unlock this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: CT
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:
I disputed a derogatory item placed on my credit report in error by  XXXX ,  XXXX  and Experian --  XXXX  and   XXXX   fixed the error by removing the item from my credit report -- EXPERIAN DID NOT. Experian refuded to remove the item and said so after their " investigation '' was complete.   XXXX    XXXX   (  a collection company ) is complicit in this. On  XXXX  -2017 I resubmitte d my dispute with EXPERIAN and warned both   XXXX   XXXX   and Experian of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  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 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Capital one I been on time but I have not received the date to pay it they say I am a day off I been doing a good job they been incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My apartment mistakenly filed an eviction in the court against me, when i brought it to their notice, they told me to disregard it which i did. But after two months, i saw it on my credit report.However, i have called the court and my apartment, and they all agreed that it was a mistake because i was not owing my apartment that period. 
Please i need to this record out of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent XXXX certified letters with return receipts to Trans Union requesting verification of XXXX accounts they are reporting. They have responded that they verified this information however, they have not sent me any documentation of the verification information that they have in their data base. The are in negligent non compliance with the FCRA section 609. I have also sent request for verification to the orginal reporter listed certified mail with return receipt. They failed to verify any information according to Section 623 and therefor it is impossible for Transunion to have verified anything especially since they have not sent ANY requested documentation to me. I have copies of all communication sent to and received from Transunion.

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 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This issue with this response from Transunion is that they 've already removed partial hard inquiries that were affected by the glitch, they just did n't remove all of them as requested. You ca n't refuse or request documentation when you 've already removed some of them when I placed the phone call with you. Please remove ALL inquiries affected by the glitch! 

-- -- TRANSUNION 'S RESPONSE TO FIRST REQUEST -- Should you have documentary proof that shows you were in fact impacted by this issue, please submit the documentation via mail to XXXX. XXXX XXXX, XXXX, PA XXXX. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your 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 2023-07-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company purchased this debt from another collection agency and has repeatedly changed the amount on my credit report. Every single month the update the account as if the debt is new or as if there was communication. This debt is XXXX yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to express my deep concern and dissatisfaction regarding the recent handling of an unauthorized transaction on my Chime account. On XX/XX/, a transaction in the amount of {$1700.00} appeared on my account, which I promptly reported to your customer service representative during a phone call on the same day. 

During the conversation, your representative informed me that I needed to wait for the transaction to post or clear before initiating a dispute. Despite my insistence on immediate action, I complied with the instructions provided. Additionally, I was informed that an email would be sent to me, allowing me to submit a police report as supporting evidence. However, to this day, I have not received such an email. 

To my dismay, the transaction eventually posted, and the dispute process commenced. Astonishingly, within a mere three days from the transaction date, Chime reached a conclusion that the charge was not fraudulent. I must firmly assert that this determination is entirely erroneous, as I did not authorize nor recognize this transaction. 

I am committed to seeing this matter resolved properly and justly. I understand that resolving such issues can be time-consuming, and I am willing to actively participate and cooperate in any way necessary to bring about a fair resolution. However, I must emphasize that I will not cease my efforts until this matter is resolved in the appropriate manner. 

Please be aware that I fully intend to file complaints with all relevant United States government agencies, engage both local and federal law enforcement agencies, and raise public awareness through various media platforms. As a young social media influencer, I understand the immense power of social media to bring attention to such matters. Furthermore, I have already sought the assistance of a competent lawyer who is prepared to pursue legal action against Chime Bank, as I firmly believe that your institution has a fundamental obligation to safeguard consumers from fraud and illegitimate transactions. 

It is my sincere hope that we can resolve this matter swiftly and amicably. I kindly request that you initiate a thorough reevaluation of the disputed transaction and reconsider your previous decision. I implore you to conduct a meticulous investigation, taking into account all available evidence, including my steadfast denial of authorization for the transaction. 

I look forward to a prompt and satisfactory resolution to this issue. Should you require any additional information or documentation from my end, please do not hesitate to contact me via the provided email address or phone number. 

Thank you for your attention to this serious matter. I trust that, as a reputable financial institution, Chime Bank will handle this situation with the utmost professionalism and rectify the issue accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted navient to tell them that the " debt '' was fraudulent. They did not respond for over a year and so I thought that this matter was dealt with. During that time they did not send any notification or proof of this " debt ''. According to the law this debt can not be collected because there is a statute of limitations. I have all of the e-mails. I gave them 30 days to respond and they did n't respond for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There are many issues involved in this case so ill start from the beginning. 
I spoke to a gentleman who accidentally deemed my account compromised by mistake and cut off all access of me using my money. I changed my number recently so the bank froze my access to pay pills or access money through XXXX  and digital wallets and all banks are closed until XXXX  and its XXXX.i dont have a card or the bank will not unlock my account or bypass whatever they have to, to give me access. I can still access my account online and via the app but i can only look at it. My wife, children and I need money to buy groceries and food and gas and its an emergency because we do not have any of those right now. We just moved back to the XXXX from XXXX and we dont have people who can help us. I was told i have to wait 5 days until they can unlock my account in which they made the error to cause this problem and im suffering from this. The emergency is that my family has to starve for 5 days until wellsfargo can fix their own error for me to be able to access my own money and feed my children is ridiculous and this is horrible this is causing great distress for my family and I and wish that someone could help resolve this issue please or contact someone who can help us. I called wellsfargo many times and no one knows how to fix the issue I have been treated poorly by representatives of wellsfargo included being hung up on. I was told to do many different things and nothing worked and its very stressful for me. Every call i was transferred 2 to 3 times ive spoken to the highest available employees, I spoken with tech support, and Ive even physically went in to the bank and they all turned me away and told me to wait 5 days as if this is not an emergency. Im very displeased and suffering from this treatment and the representatives of this bank have displayed insensitive and apathetic customer service and are again causing me and my family a great deal of distress.

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 2017-09-26
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at 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 2016-08-24
Company: ALLY FINANCIAL INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a bank account at ally bank, but I was denied since I do not have any social security number. On this link XXXX it is stated that I am not required to provide a SSN to open a bank account.

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 2016-06-23
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly asked for validation of this debt from this collection agency and they have not responded yet continue to report this negative account to my file. I requested that the company provide a contract between them and the alleged original creditor, Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. They have not complied, yet they continue to " verify '' this inaccurate account. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted to Transuion numerous times an collection account that is not mine that is reporting to my credit report and it keeps coming back verified. I am beyond frustrated at this point.

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 2018-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Opened an account on XX/XX/2018 with fifth third bank. Deposited {$1000.00} as part of a promotion to earn {$500.00} after 60 days. I was not informed of any service fees on the account nor did I ever receive a debit card. When I returned to the bank 60 days later I was told that I did not earn the {$500.00} due to the monthly charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I had a previous collection account with XXXX XXXX. This account was settled on XXXX/XXXX/XXXX and it was closed. As of XXXX/XXXX/XXXX i had a notice that there had been a hard inquiry on my experian credit report from XXXX, i contacted the agency and they told me that no one had ran my credit and my account was closed years ago. so they refused to help me. I contacted experian on the problem but they said that since it 's not fraud there is nothing they can do, i most contact consumer finance .gov and report them.. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The accounts that are in question should be removed from my credit file thses accounts have passed the statue of reporting these account have reported as delinquent as of XXXX. 
Which the statue is seven years from the first date of reporting the delinquency. 
XXXX ( XXXX ) first reported XXXX. 
XXXX ( XXXX ) first reported 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 2015-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was stolen. A charge was made and it was not from me.  Chase  did an " investigation '' and claim the charges were authorized ... they were not. They sent me a letter stating that they were reversing the credit on the  XXXX . They did the charge on the  XXXX  at  XXXX . Not only is that misleading but they also refuse to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: NCC Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCC business services is trying to collect a debt in the amount of {$3100.00} and the original creditor is stating the debt is only {$1800.00}, but the original creditor and NCC business services has not provided a move out checklist with documentation of damages or lease details that confirm the amount they are trying to collect. In the state of MO Property managers are required to send a security deposit letter and a list of damages and proof of damages in order to collect the amount. Neither the collection company nor apartment complex did so. I have requested this information for NCC Business associates on several occasions and when I call to get this information provided to me they hang up on me. They have removed this from 2 of the three credit bureaus and I need them to removed this invalid information for XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We called reporting credit bureau, they said my personal report had no record of an eviction. But they said there are other reports that are used, like in this case .... tenant screening report. The information on that report was wrong. That eviction was a sealed court document that was dismissed. We have copies and a telephone number of court / contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I just joined navy federal through my niece And now I see all of our account have been frozen. XXXX my niece and my sister XXXX tried to use their checking line credit to do repairs and purchases and tried to write a check but were told that they used the incorrect check that belonged to a closed account. So my niece asked can she transfer the funds to my account since she could n't transfer it to hers or her mothers since they are getting ready to close in a house and ca n't have any credit or loan put into their account. She transferred the funds to be but shortly after all of our accounts were frozen. No call to use to confirm anything. They just closed everything down. I have an auto loan and credit card and checking account. How could they do something like this to our family? Especially my niece who always suggest navy federal to everyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation