BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
" Reported : XXXX CHIME FINANCIAL INC, CHIME INC reported IDENTITY FRAUD DISPUTE as INCORRECT, FRAUD/DISPUTE Account Number Ending In : XXXX '' " Claim ID : XXXX, XXXX Claim Amt : {$3400.00}, {$5100.00} Dispute no accredited XXXX '' " XXXX submitted 1099a through IRS to CHIME INC as beneficiary XXXX : XXXX XXXX XXXX to settle the debt '' " XX/XX/2022 IRS accepted amount and instated transfer of credits '' " Hello XXXX XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team '' '' Chime Financial Inc. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CONVERGENT OUTSOURCING IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CONVERGENT OUTSOURCING IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. CONVERGENT OUTSOURCING is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!

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 2016-12-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
WE PURCHASED AN OVEN FROM THE LOWE 'S XXXX STORE IN XXXX 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN EXTRA 5 % OFF. 
They delivered the wrong oven & returned it to there store in XXXX Florida. 
We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on XXXX XXXX, 2016. They are now, Lowe 's credit, sending me a bill for {$180.00}. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get involved??? 
So, we had no oven for XXXX, only frustration and now they want us to pay for something we do not have and never had..

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 monetary relief
Consumer complaint received 2016-09-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loan got transferred to another student loan company called ECSI. ECSI charges a " convenience fee '' of {$.00} everytime I make a payment using my checking account. That is absolutely outrageous. Why do they make a dollar for me to pay using my checking account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions 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:
I am federally protected consumer and XXXX  XXXX XXXX, Experian, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.

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 2020-08-08
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:
I am federally protected consumer and XXXX XXXXXXXX XXXX, XXXX, and TransUnion has violated me under the provisions of 15 USC 1681. Please review attached documentation.

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 2020-08-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for an apartment and was not approved. Nowhere in the application did it state that the administration fee to hold the apartment was non-refundable. National Credit System along with XXXX XXXX XXXX even tried to justify the debt by claiming I had a contract with XXXX XXXX XXXX. My Sister lives at that property not me. I was denied when I applied. There is and was no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please attached. This company is engaged is some outlandish accounting and credit reporting actions. They have reported me as being late, and most egregious, have been charging me late charges every month, even though I pay every month, per the receipt of my military XXXX compensation as originally agreed upon. My bank statements and their accounting 's are not in-line at all. They won't address the matter with me at all. Not over the phone, and have not sent me an accounting as they said they would. Instead they have stopped taking my phone calls all together. When I called previously, their agents would tell me that I have no account with them, even when I send them the account number from the bills that they send me however, when I call the same number, the automated system finds me easily to accept payment. The payment is presented as on-time when making it, but then reflects as late, with a late payment added, every month At this juncture, I simply want the CFPB aware of what this company does systematically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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 the Fair Credit Reporting act XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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:
There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had to file an identity theft claim and have included that file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I met with XXXX at the Prosperity bank on XXXX XXXX. I've been a customer of this bank since it took over XXXX XXXX. I was with XXXX XXXX for many years. I am a XXXX  and had all of my XXXX XXXX deposits made at this bank. 

The check was from a XXXX XXXX in Minnesota. I sent all of the documentation showing it was a legitimate transaction and XXXX sent all of this information to their Legal department, including a Power of Attorney. 

XXXX told me I needed to get my son to sign the check and put his thumb print on it. My son had recently moved to XXXX. I sent the check to him overnight through XXXX XXXX with a return envelope -- which cost me almost {$500.00}. It took six weeks for the check to get to XXXX and then get returned to me. 

I met with XXXX again. He made a copy of both sides of the check. He said he was sending to his Legal department and would get back to me the next day. The next day he was not in the office. 

I dropped by the following day, waited almost a half an hour, and he came out of his office finally and told me very flippantly that legal did not approve -- after running the checks all over the place and the long wait. 

Then I tried talking to XXXX XXXX, she hung up on me because I got upset. The words she used only infuriated me and brought this situation to a point of escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Holloway Credit Solutions
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:
I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw this account come up in my credit report for a XXXX that I never have had, never. I tried to dispute it and it came back as a legitimate account which can't be possible because I have never had a card with them ever. I need this off of my credit report, it's doing great damage to my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern : I am trying to save my home and the lender is saying I have old history with Bank of America, XXXX and XXXX XXXX. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you 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 2022-05-18
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I opened a chime account on XX/XX/2022. XXXX $ was sent to the account and immediately after the transfer went through they locked my account and said that it was suspicious activity and they wanted me to prove my identity they asked for several documentations which I provided still to this day I have not received any type of email from them saying if they were going to unfreeze my account or not I've never received a check saying that they said that they would send if they did not unfreeze my account I called I spoke to supervisors on three occasions and they put me on hold and then hung up on me every time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
If I am I am 1 day late the creditor calls my house cell and job I have told them not to call my job because it is a personal call so they call my job ask for me to make sure I 'm there then hang up .I am not even behind by months only a few days .my job hours and the creditors hours are the same I have a day off n the week every other week then I go pay them but if it is 2 weeks after the due date that I get to go pay them they call me everyday with messages on my VM hang up calls at work and calls at home I could see if I had an outstanding balance but it is not only a few days late and the creditor knows that I get a day off in the week the day off vary I have XXXX messages on my cell in 21 days not including my house and job hang ups is the legal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a Perkins loan which is currently held by the Department of Education, and serviced by ECSI, a division of Heartland Payment Systems. I am a Massachusetts resident. 

ECSI has failed to register with the Commonwealth of Massachusetts as a 3rd-party loan servicer, as required by 209 CMR 18.01, despite acting as one as defined by 209 CMR 18.02. According to 209 CMR 18.22, this constitutes an unfair and deceptive trade act or practice, and is a violation of M.G.L. c. 93A, 2 and is subject to the penalties contained in M.G.L. c. 93A. 

Despite having brought this to the attention of ECSI quite some time ago, they have taken no remedial action, and continue to demand that I pay them, even though it would be illegal for them to accept such a payment. 

I have already filed complaints about ECSI and their unlawful business model with the Attorney General of Massachusetts, and the Student Loan Ombudsman. 

Before this note was assigned to the Department of Education, it was held by XXXX University, who also had it serviced by ECSI. After explaining to their counsel that ECSI was violating the law in their name, the university made the decision to assign the note to the Department of Education, rather than have it serviced by a company that operates within the bounds of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only 45 % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XXXX XXXX, XXXX XXXX XXXX paralegals informed me that XXXX, Equifax, and XXXX  ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, XXXX Equifax, and XXXX, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/2020, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. XXXX refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$16000.00} )XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
I asked for a permanent credit freeze in XX/XX/2020 with Experian because of identity fraud concerns. After I resolved my concerns, I have sent two certified letters to Experian asking them to remove the permanent credit freeze. I have received acknowledgements they were working on the removal, but when I actually try to work with a lender, the freeze remains. I am attaching my latest certified letter to Experian to confirm I have tried to resolve this matter on my own.

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 2015-08-12
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am receiving excessive calls ( as many as XXXX calls a day ) from Navient, for my student loans. I informed them the loans are a part of the XXXX XXXX lawsuit and asked for a stop on payments. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
https : XXXX This petition says it all. You can never pay it off. I have paid XXXX $ mo. And paid what was owed but 140 % interest keeps causing it to go up! One of their loan persons admitted you will never be able to pay it off by payments. One supervisor told me learn to walk. We get your car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Thomas George Associates, Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received debt collection letter to validate on XXXX fromThomas George Associates LTD. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requersting {$4300.00} and have 30 days to dispute. I responded on XX/XX/XXXX Certified mail requesting all document and signed contract and invoices include thier signed contract with original creditor. They failed to provide any documents and keep responding with same 30 days notice. Repeatedly almost every 15 days keep sending 30 days notice with same threaten information ignoring all my legal requests to send me any invoices or docmunet to verify debt. I have replaied back 8 Times requesting debit validation, and asked them to stop contact me. But they ignoring my right and all the legal process. I have asked them if they are licencesd in state of XXXX to collect debt and they ignoring any request.

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I wrote XXXX  requesting an investigation into items I believed were inaccurate. I also sent a second request. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.

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