BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Chime Financial Inc
State: CA
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:
I checked my spending account transactions, & I noticed that there were 4 unauthorized Transactions that was taken place on my account. The first transaction taken place on XX/XX/2022, for a total of {$220.00} to the merchant of " XXXX XXXX XXXX ''. Then there was a second transaction with the same merchant on the same day on XX/XX/2022 for a total of {$170.00}. Then there were 2 other transactions that I noticed that I didnt authorize, on XX/XX/2022, XXXX of the transactions for {$350.00} and the other transaction of {$260.00} to the merchant of " XXXX ''. I am currently banking with Chime. I filed a Dispute for these 4 transactions but was denied of my dispute saying that " There was no error occured ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received many calls from Financial Credit Network. 

I spoke to someone there on XXXX XXXX, 2016, she wanted me to disclose my SSN and I would not, she went on to tell me I owed over {$700.00} and if I wanted to pay via my XXXX that day. I advised that I dispute the validity of the debt and to not contact me again. I have yet to receive the FDCPA notice from them. 

I advised them of my dispute, and this dispute has n't been updated to the credit bureaus, violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to XXXX, Experian and XXXX and XXXX XXXX. XXXX XXXX and XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to XXXX  school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.

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 2022-01-27
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:
I sent a letter on XX/XX/XXXX and I have not received any information on the collection reporting inaccurately on my credit report. I sent a second letter on XX/XX/XXXX. I also sent proof that I had car insurance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: WELLS FARGO & COMPANY
State: NM
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:
Today ( XX/XX/XXXX ) I went to withdraw funds from an ATM. My transaction would not go through two times at this ATM and only providing me a phone number to dial. I then tried another ATM and was provided another phone number to dial. I then called to Wells Fargo ( XXXX @ XXXX XXXX ) regarding why I was not able to withdraw money. The agent stated that there was block on my  account due to questionable transactions that had been made. After verifying my authenticity, I inquired more information regarding the transactions and the dates. I was provided the information and from which merchant. They stated that is done through XXXX online for three purchases for the following amounts : XXXX XXXX/ XXXX XXXX/ {$230.00} all made on XX/XX/XXXX. XXXX refunded me the money back for the first purchase immediately, however, then the two amounts were pushing through. That was when Wells Fargo placed a block on the card. I then asked why I did n't receive any notifications, the agent stated to check my settings on my notifications. After discussing this with agent, I then went through my bank statement and emails at a later time ( please look at attachments ) and did n't find any notification from Wells Fargo. Through my bank statements, there was no credit or transaction regarding XXXX. I then reached out to XXXX and looked through my online account for any recent purchases. Again, there was no order transactions or refunds documented. XXXX informed me that they did see the amount for {$460.00} that was automatically refunded. XXXX did n't find the two other accounts that Wells Fargo stated to me. The agent informed me all purchased where done from a third-party merchandiser : Breed. The agent also provided me their phone number to reach them directly, however I reiterated that since I only have verbal confirmation from the ( XXXX ) and my bank ( Wells Fargo ) that I needed more documented proof. I was only provided a reference number on this incident from XXXX and told it would be sent to level 2.

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 2021-10-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Ok so PayPal has been taking money from me and I paid for every transaction that I made PayPal is not cooperating and also slapping limitations on my account. I am about to take PayPal to court if this is not resolved asap. I am tired of the games and garbage they attempt to keep feeding me with this. Simple PayPal owes me a XXXX of a lot more than {$50.00}! PAY PAL quit playing games with my money and also I mean it when I say I will take you to court. I'm done with the trash you keep doing by crediting my account then on the sly reversing it. You stole money give it back! Simple. I have proof so stop acting like I am a XXXX insulting my intelligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple letters to update my consumer report with no correspondence validating this information. I have received multiple notification that the report have been updated and came back as verified without any documentation. Only the consumer which is I can validate any debt. 
Pursuant 15 usc 1681g Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/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 explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: IA
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:
In XXXX of XXXX I filed a dispute with Experian by submitting a letter asking them to verify the accuracy of an account with XXXX Dispute # XXXX ( Account XXXX ) and I also advised to send me the original contracts used to verify the legitimacy of the account. They never sent information that was used to verify the account. 

In XXXX of XXXX another dispute was filed advising the same as before.. nothing was sent and the account remains. I do not owe this company and its preventing me from obtaining housing. Please get this issue resolved so that it is removed. Thanks.

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 2021-07-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 an individual went to the Home Depot store in XXXX XXXX Georgia and charged {$1800.00} on my account. After several attempt to have the store remedy the situation they still insisted that I am responsible to pay these bills. I have paid some of these bills and is due a refund. Based on my calculation I have overpaid {$360.00} on the account. They have reported me to the credit reporting agencies which has been causing me a lot of stress. I can not do any thing that requires a credit score and this is very distressing because I paid my bill on time. Since this time they issued me Two new cards plus my original card adding up to 3 cards. My Question to Home Depot is Why did they issue me " 3 new cards ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have an account in TD bank. A fraudulent used my name to withdraw money from my account. The person stole my money of {$4700.00} in the summer of 2021. But the bank refused to compensate. 
My account # XXXX Case reference # is XXXX or XXXX All the best

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Sent money to XXXX XXXX via XXXX for XXXX XXXX XXXX XXXX. they then sent we this tracking number XXXX to this site XXXX XXXX XXXX. they then demanded over {$500.00} more dollars to release from XXXX. All of it is fake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I began a refi with XXXX XXXX in XXXX, with targeted close date of XX/XX/XXXX. Every document and request was completed within XXXX. Delays occurred due to title seeking a subordination on a loan ( second lien position for solar ) that was to be paid off during the refi. It took multiple escalations to resolve this. Finally in mid-May we were looking on track for closing. Closing did not occur. Finally approved for closure on XX/XX/XXXX, met with the notary and we signed documents. On XX/XX/XXXX when I found that the loans had not been paid off, I tried to make the XXXX payment due with the secondary lender, but everyone was closed due to the holiday. On Monday, XX/XX/XXXX, XXXX requested that I make the XXXX payment to XXXX  ( 2nd ) and show proof the loan was paid through with a XXXX due date. I called XXXX to make the payment and provided proof of this, along with a refreshed payoff statement to XXXX. As of XX/XX/XXXX, funding has still not occurred, and both the primary and secondary loans that were to be paid off yet sit past due. Today XX/XX/28, I am being asked for more verifications and the loan is back with underwriting. 

Additionally, I have asked for a supervisor at multiple points in the process as challenges were encountered. It is evident that the complaints framework is not in line with industry standards. I never reached a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I HAVE BEEN MAKING MY PAYMENT EVERY MONTH ALSO HAVE MADE PAYMENT 0F XXXX AND XXXX IN 2018 THAT THEY CLAIM I OWE REGARDLESS OF WHAT I PAY THE LOAN AMOUNT DO NOT DECREES AND PAYMENT DUE ALWAYS INCREASE AND THEY TRYING TO REPO MY CAR LOAN WAS XX/XX/2018 PAYMENT WAS XXXX MONTH I HAVE CONTACT THEM ASK THEM TO CORRECT THE PROBLEM AND A EXPLANATION

Company response to consumer: Closed with explanation