BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Navient Solutions, LLC.
State: CT
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:
NAVIENT is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies. I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Greetings, In a nutshell, on XX/XX/2022 our Fifth Third Bank Perferred Credit Card was charged {$1700.00} XXXX in XXXX, XXXX for a {$12.00} XXXX taxi cab ride. Minutes after returning to our hotel, we were alerted by an email from Fifth Third asking if it was suspicious or fraud activity... I called immediately from our hotel phone ( a {$7.00} XXXX call by-the-way ) and told the bank representative it was indeed fraud. 
She immediately cancelled our card and said a new one would be mailed to us .I told her to also cancel the charge or put it " on hold '' and she said she could not until it went from pending to posted. I said to her " that makes no sense. '' She assigned a case number which is XXXX. 
The charge was to " XXXX XXXXXXXX XXXX XXXX XXXX '' and we were staying at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX. 
The next day after returning back home to XXXX, Ky I and logged into our account and saw the fraud charge posted so I called again and was told to supply documentation showing our correct hotel... .I gave them a copy of our bill for our stay ( from XX/XX/XXXX until XX/XX/XXXX ) including the phone charge to call. 
Now more than 6 weeks later, the entire fraud charge is still listed with even an interest charge added to it. 
This is not right, we responded immediately and told them it was fraud and it should have been taken care of just like fraud problems we have had in the past with XXXX XXXX XXXX XXXX and once with a XXXX credit card that were rectified right away by those institutions. 
Please contact Fifth Third Bank and find out why a fraud charge is still being expected to be paid. 
I can supply any documentation needed. 
Thanks, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ky XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX our business processed a credit card transaction in the amount of {$29000.00} for flooring laminate. Transactions normally gets deposited into our business account within 2 business days. We processed this transaction XXXX contact chip which is clearly in the guidelines described as a protected means of processing XXXX XXXX we received a call from the First Data Risk Department after asking a few questions and them requesting bank financials as well as invoices for this transaction and after review we were instructed that the funds would be released.On XXXX we received yet another call from the risk department stating that they did not feel comfortable with the transaction and they were asking us to refund us.We Cleary stipulated that the sale was done and the merchandise was picked up by customer.We have used First Data for over 3 years and we have done hundreds of transactions this is a very unprofessional manner in which they are conducting business.We will not process a refund and we reserve our rights for further litigation if these funds are not credited to our 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 2022-08-03
Company: Chime Financial Inc
State: SC
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/2022 i attempted to withdraw {$200.00} using my chime card from an atm machine. it malfunctioned and did not give me my cash or a receipt. however {$200.00} and XXXX in fees was withdrawn from my account. i called chime and was told it was pending and would be back in my account the next day. when it wasnt i called and was told 3 days. i called today on the XXXX day to be told my dispute was closed in error and he reopened it and it may take up to 45 days! this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Over a year ago I requested this company close all accounts and cease contact with me as their methods constituted harassment. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: JPMORGAN CHASE & CO.
State: ME
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:
On XX/XX/2022 I discovered a new Chase credit carded had been opened in my name. I called immediately and shut the card down. Then on XX/XX/XXXX I noticed my packages I was expecting for XXXX from XXXX and XXXX other company were not arriving and the tracking status said it was being rerouted to XXXX NC. I went to my local post office and appears I'm also a victim of mail fraud. I've reported this to the XXXX and have a case open with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage is absolutely a deceptive company and purposely misleads you, more so they try to hold on to your money as long as they can. 

I have now called over 4 times the last 2 weeks to get the escrow refund that I am due from taxes. I request this refund 2 months prior when the tax payment was provided and was told I would have to wait until they paid the tax bill to receive not the refund of the escrow I was requesting but an analysis which would have an effect on my monthly payment ( nit hat I was asking for ) This is not what I requested, I only wanted the tax payment made and the overage returned. I started requesting this in XXXX when my tax bill was out and Rocket would not make the payment until XXXX, how is this okay? 

I was told on various these calls : I would need to call back after the payment was made It would take a week to do the analysis to then be able to receive the overage The analysis would be completed on XX/XX/XXXX It would take up to 10 days to do the analysis The analysis would be completed on XX/XX/XXXX The analysis would be completed on XX/XX/XXXX and the XX/XX/XXXX would be the posting date I spoke to the XXXX office a few times to no avail. 

It is XX/XX/XXXX and I have not received any completion information, or the refund notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased furniture from XXXX XXXX XXXXXXXX in XX/XX/2022 but because of extended wait time to received I cancelled my order in XX/XX/2022. I was issued credit from XXXX XXXX in the amount of {$3500.00} to my Caesars Reward credit card ( COMENITY BANK ) the same credit card I initially used. I was told to give 1-3 depending on my credit card company to get the credit. As of XX/XX/2022 when I called to check it now shows that amount that should have been refunded to me now shows a charge. I have reached out to the bank weekly in an effort to get this resolved. In XXXX I reached out in an effort to find out status and originally COMENITY BANK saw as a credit and a credit was to be issued but it never was. I just called today spoke with XXXX XXXX # XXXX with COMENITY BANK when ask if she could escalate she advise there was no one over her. She was very rude and condescending took no ownership of this bank error. Previous agent stated all this was because of system upgrades. Why should system upgrades effect customer for several months. I need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022 at XXXX XXXX, I logged into www.myequifax.com to view my credit report. I noticed that my credit report and freezing/unfreezing of my account were unavailable for viewing. I called in on XX/XX/2022 and was told that I need to fax over my driver 's license and social security card in order to view my credit report. I found that was odd ; when I'd reviewed my report on XX/XX/2022 without issue. However, I faxed the requested information over to XXXX. I was told to wait 24-48 hours to have it updated. On XX/XX/2022 I logged into myequifax.com and I was able to see the outdated addresses listed and started disputing for removal. Some of the addresses listed, I was unable to remove and given a phone number to call. I called in and spoke with a guy that stated he removed the 3 addresses. I waited several and logged back in and now I was back to square one, where I'm unable to view anything. Called back and advised the rep what was going on. She stated that when documents are faxed it takes up to 5 business days to be processed, not 24-48 hours. Fine! I was given the option to send her my driver 's license and social security card, via email. She then stated that my account has be verified and that I can now login and view my credit report. That was not the case! I advised her that I'm still getting the same errors as before. The rep advised that I wait maybe a few hours. Needless to say, today is XX/XX/2022 and... Nothing! 

Lastly, I have no problems viewing my reports from XXXX and XXXX. Even attempted XXXX to get Equifax, the message states to directly contact the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Acts Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a account without my Written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 {$400.00} ( almost my whole savings ) was sent from my XXXX XXXX savings accounts via Zelle. I dont know how this money was sent, as I barely even use this account its only a saving account for me. I called my institution ( XXXX ) who said they can not help me even tho it was fraud and I did not authorize this payment. I need a resolution, this cant be right and that easy of a way for scammers or thieves to take your money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, an interest rate was locked with Sun West Mortgage company for a borrower. On XX/XX/XXXX, without prior notice, Sun West unlocked the client 's rate and required that we re-lock the rate. The client had already signed the rate lock agreement. After asking that Sun West re-lock the interest rate based on the signed agreement, we were informed that they refused to re-lock the original rate. They insisted that I re-lock the rate even though they refused to give any prior warning. Sun West has very unprofessional business practices when the borrower or mortgage broker has done nothing wrong. This is an unethical business practice and should be illegal. Sun West has failed to put the consumer 's best interest first with their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid two payments of {$25.00} and {$20.00} dollars equaling to {$45.00} dollars. Yet, Kohls credit card still posted on my credit report late payment of {$40.00}. Which, I should be in good standing. I want late payment removed because I made payment within grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have just started new jobs, so I had my wife download bank app so she has access. She is a server and she gets her tips in check form the next day. Twice she e deposited her check and the bank put a five day hold on them. I took her check, same account, same bank and e deposited it in between those checks.. went right thru. The problem is Im stuck in a hurricane 3 hours away from home with my wife and 4 dogs. The bank will not release the checks, even in an emergency. Ive explained that we have been out of work for 10 months and this was all the money we had. We went to XXXX to meet friends fleeing from IAN in FL, they left yesterday but had the hotel room till today. Now because Ally bank wont release our funds that were deposited on Sunday XXXX and Wednesday The XXXX, weve had to check out and ride out a hurricane in our car with it on Empty with XXXX in the account, we cant get home and have XXXX money to eat as they are holding XXXX till at least Monday 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 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 2021-02-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XX/XX/2021 I applied for a citizens bank one deposit checking account. I immediately received a declined email. there is no information regarding as to why it was declined. upon further investigation into my credit report, i do not have any collections with the institution, I have called the institution and they have been unable to give me information as to why it was declined. i was transferred over to the fulfillment department from customer care, who stated they do no work with previous applications that have been statused. they transferred me back to customer care, after 20 minutes on hold, someone picked up and they stated that they are unable to help me, i would need to speak to fulfillment. I informed them that I just got off the phone with that department and they can not help me. they stated they are unable to assist and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. 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 2022-09-30
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is one account on my credit report that does not belong to me I have tried to get this taken care of with the bureaus as well as the furnisher this is not my account I need this off my credit ASAP. 

XXXX XXXX  XXXX. - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: DC
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, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 3 transactions that were stolen from me from a business, it turned out to be a scam. Paypal denied my claim since it was through friends/family ( which is what the seller requested I pay with. I also reported it to my bank XXXX XXXX as a fraud who also denied the claim saying it was an authorized transaction and refused to help or investigate it. 

Seller blocked me on their social media platform after payment went through. 

Dates XX/XX/22 - {$440.00} XXXX/22- {$390.00XXXX XXXX22- {$110.00} I really need this resolved and would like my money back.

Company response to consumer: Closed with explanation