BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I use chime to pay my rent and get my direct deposit from my job and online shopping. I started receiving emails about suspicious activity in my account but everyone I got look I had the same {$300.00} something in my account.then acouple days later get an email saying XXXX checks were declined so I go look into my account it was negative XXXX somthing so called an emailed after email just for them to say they cant do anything about it I even contacted their fraud department they said they couldnt find any suspicious activity then just last week they shut the account down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i have a complain on here like 6 mths ago bout dis company XXXX credit card and they agree to move the late payment and close my acct remove on XXXX  credit bureau but still is on my XXXX  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 non-monetary relief
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CFPB Case # XXXX was successfully resolved in my favor over three months ago, but the incompetent XXXX at Trans Union continue to report the inaccurate outdated information that is no longer in dispute. 

They tell me that it's been updated in their system, but I've now received FOUR reports from them that continue to reflect the inaccurate information, listing that I had a high balance of {$14000.00} from " XX/XX/2020 to XX/XX/2020 '' when the actual creditor, XXXX XXXX XXXX, has clearly and correctly updated that amount to {$0.00}, as indicated in their response to me in the above referenced report. 

I have also attached three of those four reports documenting this inaccuracy.

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 2022-02-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Requested an accurate precise account of my Escrow account disbursements from WellsFargo but the lender 's response was unsatisfactory. In XXXX - Out of the deposits to my Escrow in the amount of {$8700.00}, a total of {$7000.00} was disbursed ; In XXXX - Out of the deposits to my Escrow in the amount of {$10000.00}, a total of {$6300.00} was disbursed. 
I do not wish to discuss this issue on the phone with the mortgage lender as such discussions in the past were manipulated to the extent I ended up with false charges in my mortgage statement.

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 2020-01-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I have made multiple attempts to reach out toTransunion to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Transunion has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no valid excuse as to why Transunion has refused to respond. I would appreciate your help in resolving this issue and making Transunion comply with the federal laws made to protect consumers such as myself. Thank you.

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 2020-01-14
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am enrolled in auto debit on an income-based plan. My monthly payment should be automatically paid. I enrolled in classes. Despite asking them NOT to put my loans in deferment, they did anyway. Then, when I asked them to take them out of deferment, they gave me the option to do so in a way that would lead me to be overdue on payments or not overdue on payments. ( immediately or shorten ) I chose the later option. But, they instead ended the deferment immediately, and then reported my account as overdue and capitalized the interest due. 

They've sort of fixed it by taking the account to the present, but the interest has still be capitalized and I have still missed a payment in their records. And, they made me agree to a forbearance, which means that I agree to the capitalization of interest. But, this was the only way to avoid being marked as paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: NV
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 dispute and requesting the Experian credit bureau permanently delete the collection account for XXXX since it was over 7 years old and because information is being reported by collection agency was illegal re-aging. 
I also submitted 3 copies of past due notices from original creditor that shows that first DOFD was in XX/XX/XXXX and up to XX/XX/XXXX, however credit bureau just would sent dispute to collection agency and leave comment that collection agency reported back it is accurate.. Clerk from Experian wants me to provide him my history payment statement from the date account was opened, which is impossible to get. I called collection agency and they wouldn't do it and the original creditor wouldn't give me any due to account is placed for collection.

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 2022-02-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XXXX, I noticed that my American Express credit card had fraudulent transactions made under my XXXX 's credit card. I immediately searched to see if the credit card was still in my possession but it was not, it was stolen. 
I immediately logged on to my American Express account and noticed XXXX fraudulent transactions were made XXXX XXXX XXXX CA - {$100.00} THE XXXX XXXX XXXX CA - {$11.00} As soon as I saw this, I called in to American Express, reported my credit card was stolen, and disputed these transactions as I did not make them. 

As of today, XX/XX/21, American Express has taken absolutely no action. I called in and they told me because the charges were reported while they were pending, I was expected to call in again once they stopped being pending. This was not communicated to me when I reported these charges on XXXX. 

To make matters worse, American Express stated these charges will not be credited back into my account. They will only investigate the fraud claims and I will need to wait until 30 days to hear back from. These charges are still sitting in my American Express credit card account balance even though I did not make them, and thus, still makes me liable to pay for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BMO Harris Bank issued me an auto loan. Once I 'd paid the loan in full and filled out a change of address form on their own website that same day - they still sent the loan to the address from 3 years ago. They told me they would call back in a week if the title had n't been returned and make it right - they never called back - every time I call they make up some excuse and are basically just hoping I go away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: U.S. BANCORP
State: DC
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: Problem getting your free annual credit report

Complaint:
I got this card and it havent been credited .... I was told its an unemployment benefits card and after I got the card I wasnt credited with any benefits

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 2020-08-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my 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 2022-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Chase card including balance transfer, and received a letter to call the company for the application to be reviewed. On the phone, I was approved for the card and told the specifics. I told the person that I did not want to move forward with the card. A week later I received a letter in the mail that my balance had been transferred. When I called they refused to delete my account, and only said it could be closed, even though I never opened it. Apparently they go forward processing balance transfers and the card even if you say that you do not want to move forward. This opening / closing will reflect on my credit - I want it completely removed since I never agreed to open it and further specifically stated that I did not want the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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:
Personal statement : checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX, XXXX, and Experian are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the 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 2022-02-21
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I submitted my form of payment was previously told it was accepted it, I certified mailed it and now come XX/XX/21 received a call from Acima and that they do not accept that form of payment they are in malfeasance of office that is a felony crime. I have asked them to mail me my form of payment back and stated that they have dispose of it, how have they so quickly disposed of it, when we were still discussing the form. Not even five minutes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a collection account with XXXX XXXX XXXX they sold it to Gamachie & Myers P.C. but then took the debt back. So I Paid off the amount with XXXX XXXX XXXX the current owner, they will send a letter within 30 Days stating that Account number ending in XXXX was paid in full on XXXX So today I am served with papers telling me we are going to court the people who filed the Law Suit is Gamachie & Myers P.C. In the letter they say the current owner is XXXX XXXX XXXX so they are trying to collect on a debt that is paid with XXXX XXXX XXXX. ending in XXXX I have a payment schedule from XXXX XXXX XXXX., on a second account I spoke with the today and they confirmed they own the account and seen where I am Making Payments. 

So I contacted Gamachie & Myers P. C. and explained I paid the full amount to XXXX XXXX  and I have a payment schedule with them on the second collection. She told me she dont care XXXX it up we are going to court. 

To me this is Illegal to collect the same debt twice especially when they dont own the debt. Either way the debt is being paid to XXXX XXXX XXXX who owns both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Commercial Acceptance Company
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is regarding WakeField & Associates Debt , Inc. 

Contact info for them : XXXX or XXXX XXXX XXXX XXXX XXXX, TN XXXX I received a statement from XXXX XXXX XXXX in late XXXX of XXXX and arranged a payment schedule with them. I was out of the country visiting family and when I returned, I received a call from them stating they had missed my payment. Right away I made a payment ( XX/XX/XXXX ) for {$92.00} and they sent me a receipt. I've been receiving repeated phone calls with the latest being around XXXX XXXX  on XX/XX/XXXX from WakeField & Associates stating I needed to pay {$94.00} for this bill. I advised them I paid the bill back in XXXX and they needed to update their records. Their representative XXXX advised me the bill was still due but stated if I wanted I could send a receipt. I advised him I would call back. 

I called back and spoke with XXXX XXXX ( Employee ID # XXXX ) on XX/XX/XXXX where I requested the email to send the receipt stating the account had been satisfied in full for {$92.00}. 

I noticed they are collecting interest, on medical debt! What an absolutely abusive and corrupt company. 

I also wanted to confirm they had another account against me which he provided the account number for ( XXXX ) for {$60.00} due to XXXX XXXX XXXX. XXXX stated the balance due was {$60.00} and the initial contact via mail was sent on XX/XX/XXXX. I asked XXXX what the date of service was and he stated XX/XX/XXXX. A 3 year old debt was now being presented against me without any  evidence or verification of this debt? I asked him how long ago the account had been placed into collections. 

XXXX XXXX advised me that WakeField & Associates received this account and entered it into their system on XX/XX/XXXX and didn't bother notifying me until XX/XX/XXXX. I wonder how much of this is interest. I advised him I was tired of their abusive acts and was willing to spend my time fighting this and showing others how corrupt the company he works for is. I requested to speak to a supervisor and XXXX XXXX stated a supervisor was not available today but could call me between 24-48 hours. 

I asked XXXX XXXX to confirm the following : " I was not able to speak to a supervisor or a floor leader for a collections agency that is attempting to collect a debt in the state of Tennessee, and that said supervisor or team leader was not even present that evening. '' He said yes ...

Company response to consumer: Closed with explanation