BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: VA
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 tried to avail my self of the six free credit reports from Equifax, since their information breach and their badly bungled efforts to protect my credit information. 

I could not get their MY Equifax.com to work, so I contacted XXXX. 
The first time, I called the number given in their email resonse to my email and gave nearly a dozen personal identifiers, all the usual ones. Then I was asked about any credit cards and I only have two and I identified them. 

Then I was asked the balance, which I gave for the XXXX XXXX account, wasn't asked about the other. then I was asked the exact dates of my last dispute and I gave all three recent dates, and then I was put on hold and a two question survery and then I was hung up on.

The second time the next day, the same prcedure and then I was asked to mail two proof of ID. 
They had all the information they needed to identify me, it was only when they saw I have an active dispute that I was jerked around. 

Could you please fine them heavily and amend their abusive conduct?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was compromised they closed the car that down issued me a new one there's a {$150.00} charge go through my account from jail for a XXXX XXXX I do not know this man I disputed this on XX/XX/XXXX they told me after 10 days if they had not resolved his they would have to make a provisional credit the provisional credit should have been s*** been issued by XXXX  on XX/XX/XXXX it did not happen I called the bank repeatedly daily I have emailed I have done everything I can do I got my water Disconnected by giving my money away I had blood poisoning can't even wash the leg off the count the bank but this money go now they're refusing to cover me and her FDIC guidelines they assured me I would have a provisional credit on XX/XX/XXXX by XXXX XXXX  this is now the XXXX of XXXX at XXXX XXXX I still don't have this credit but I hear now is we have a resolution by XX/XX/XXXX I can't go without water for three months please as it's nice to give me the provisional credit ASAP for I can withdraw with and pay my water bill and get my water back on I beg of you please help me my name is XXXX XXXX address to XXXX XXXX XXXX XXXX Virginia XXXX my date of birth is XXXX XXXX last four of my social is XXXX Flash Forward the card and now have is XXXX you can publish is the please remove my personal information as I am a victim of identity says right now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: NV
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2016-01-03
Company: Paypal Holdings, Inc
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

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 2021-01-26
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent this company so many letters and they refuse to respond. I simply asked for proof of debt and they wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have hard copies of paperwork to support the following. Bank of America still owes me {$100.00} and interest. The money has seemed to disappear but there is a paper trail. The checking account money has not been gaining any interest since XX/XX/XXXX because BOA placed a stop payment on check # XXXX from my Joint Checking Account owned by XXXX XXXX XXXX & XXXX XXXX XXXX Checking Account # XXXX XXXX XXXX. I believe they are mixing the joint checking funds with XXXX XXXX Funds Account # XXXX Estate of XXXX XXXX Here are the facts : There are no Bank of America branches open within driving distance of my address XXXX XXXX XXXX XXXXXXXX XXXX 

I had a joint Checking account with XXXX XXXX XXXX # XXXX XXXX XXXX With {$100.00}. 

My partner died on XX/XX/XXXX. On XX/XX/XXXX, I called and asked to close the account and send me the money. I still live at the same address as on the account. I received a check # XXXX in the mail with both XXXX XXXX XXXX 's name and my own. I was unable to deposit or cash the check. I received paperwork from the XXXX Department so I sent them the check back and requested them in writing to issue me one in only my name. After 3 calls to them, I learned they copied the check and placed it in XXXX XXXX File. XXXX. 

BOA also placed a stop payment on the check. I asked them in writing and over the phone to send me a new check with only my name ; XXXX XXXX XXXX it was a XXXX Account after all, so either one of us could rightfully withdraw the funds and cash the check. But a check with two names must have two endorsements to be cashed and XXXX was XXXX. I told the customer service people that my address is the same as listed on the account. To date I have not received a second check with my money. I have made numerous calls only to wait needless hours being switched back and forth between the checking account department, the XXXX Department. and the Official check 's Department. no one seems to take ownership of my problem and get it resolved. On my last call to BOA, The Checking account department customer service agent actually told me they could not issue a check from a closed account with a XXXX balance. So now my money is lost? 

Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 monetary relief
Consumer complaint received 2022-07-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contacted Wells Fargo on XX/XX/XXXX at XXXX EST to speak with someone regarding 401k accounts. I was requesting a copy of my XXXX Tax Year 1099-R. When I provided my credentials to authenticate myself, Wells Fargo was unable to pull up my information. Based on a bill I received from the IRS a 1099-R was reported from Wells Fargo under my SSN for the amount {$12000.00}. However, they were not able to locate my tax forms. 

In XXXX, my Wells Fargo 401k moved to XXXX. Wells Fargo told me they no longer serviced retirement accounts and they didnt have any additional information to provide me. I was told to reach out to The Advisor support team at XXXX, a company that serviced the 401k accounts. 

I called XXXX on XX/XX/XXXX at XXXX EST to see if they would be able to locate my 1099-R from XXXX. They were unsuccessful finding any information regarding my accounts. XXXX  told me that Wells Fargo should still have records that took place in XXXX because they didnt service 401k accounts during that time. 

I called Wells Fargo again on XX/XX/XXXX at XXXX to speak to someone in the Wealth Mgmt Department XXXX They once again was unable to locate any documents related to tax year XXXX and advised me to call XXXX again. 

I need a copy of my 1099-R distributions from Tax Year XXXX and Wells Fargo along with the advisor support team at XXXX has been unsuccessful in providing any assistance. This is alarming because by law financial institutions have to hold records for at least 5 years.

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 2017-01-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi Sir/Madam, I am writing this letter regarding Chase bank closed my banking accounts and credit card account recently. I opened XXXX banking accounts ( checking and saving ) XX/XX/XXXX and a credit card XX/XX/XXXX. Now all of them are closed by Chase. The reason Chase stated is that I forfeited my Chase points. 

I am very angry with this right now, 1 ) I have n't used Chase for a couple of years. XX/XX/XXXX my credit accounts were closed by chase without any reason, after that, I have n't used chase bank and any their points. 

2 ) I opened banking accounts and credit account successfully through branch and online. There is no problem at all in application. However, Chase closed all my accounts in one month after application, which had bad impact to my credit report and wasted me a lot of time in setting up accounts. From my experience, if bank is not satisfied with my credit, it should n't pass the application at all. I am very confused by Chase 's behavior. 

I hope CFPB can help me solve the problem, keep those accounts, and help me build new relationship with Chase. 

Thank you very much! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
My Navy Federal Account is showing as closed when it is opened. The account has a {$35000.00} credit limit. I called they said the account should not be reporting as closed but they did not update it. Please help. I copied the proof from my report below Navy Federal Cu CLOSED XXXX XXXX XXXX Last Updated XX/XX/2020 XX/XX/2020 XX/XX/2020 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} {$0.00} Credit Limit {$35000.00} {$35000.00} {$35000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: The CMI Group, 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: Their investigation did not fix an error on your report

Complaint:
This account was identified on my credit. I agreed to pay the balance in full for the company to remove/delete the item from all credit bureaus. I was advised once the payment was made in full, I could go online and request the deletion after 30 days. I followed the process and the company has not removed the account from the credit bureaus XXXX and XXXX. The calls are recorded and should be referenced. I also have the letter that was mailed advising my account would be updated and removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Uber Technologies Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I signed up with XXXX, last year in XX/XX/XXXX. I was introduced to begin leasing with their partner, X-change Leasing. In the beginning, the lease program they offered to XXXX drivers was that all credit level can apply because no credit check was required. Only a clean driving record with a decent background were the requirements. I passed all of the requirements and went to their XXXX dealership in XXXX XXXX and got preapproved to lease a XXXX. The terms of the contract were quite simple to understand and the option to surrender the car even if the lease term was n't completed was possible. After driving for Uber in the state of XXXX, I relocated shortly thereafter. I relocated to XXXX state and did notify X-change Leasing that I moved. In XXXX XXXX, I had difficulties trying to get X-change leasing to send the proper paper works for tags and registration of my car. This process took over 2 months and I had to pay weekly the lease amount of the car out of pocket and driving for Uber seemed near to impossible without getting my tags switched to the current state that I now reside. However, the car was finally approved to drive for Uber after getting the tags and registration. Also, I was notified by X-change Leasing that my weekly lease payment will increase to an extra $ 80 monthly. I will provide the break down amounts below when I signed up and the weekly costs. XXXX {$160.00} weekly/ 36 month lease term ; XX/XX/2016 new price increase {$200.00} weekly/ 36 month lease term. I had difficulty driving the Uber to have my earnings cover the new price fluctuation of $ 800 monthly. Therefore, on XX/XX/XXXX, I notified X-change Leasing and Uber that I bought a new car and would like to surrender the XXXX. X-Change Leasing said it was no problem to surrender but I will be responsible for the repossession charges and if there was a balance remaining onto the account. Furthermore, on XX/XX/XXXX, X-Change Leasing sent a repossession company to recover the XXXX and I requested that an invoice of any charges be sent to my address. I had a new vehicle that I purchased and Uber certified it to begin driving. I noticed that my weekly earnings were deducted for X-change Leasing in which I thought was an error therefore, I contacted Uber inquire why was X-change Leasing extracting my all of my Uber earnings? Uber had no knowledge as to why this was happening and told me through email correspondence to call X-Change Leasing. I was told by X-change Leasing that I owed over {$2200.00} and that is why Uber is extracting the monies to pay it off. I demanded an invoice and explanation of charges but they have refused to send anything. I smell a rat and with other fraud allegations by other consumers against this company, I believe fraud is occurring in this matter therefore I am reaching out to various agencies to investigate X-change Leasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 XX/XX/2019 I ask for a credit report form transunion and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX and they fixed ; however Transunion did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use transunion credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX   show that all my history payment is good.

Hope you can solve it because my credit its been affected by that error.

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 2020-03-05
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received an unsolicited pre-paid card in the mail with my name on it. The card was from Brinks Money and was issued by Mastercard, but I never signed up for any pre-paid accounts. Apparently its some type of XXXX XXXX, but again, I never signed up for this card. Im the only person involved, and I dont believe Ive lost any money, but it is still concerning that a ghost account was made without my permission from Brinks.

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 2017-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened up a  Chase Sapphire Preferred credit c ard about just over a year ago. The card has an annual fee of {$95.00}, but it is waived for the first year. My plan was to use the card and see if I like it, if I did n't, then I would cancel or convert it to a card that did not have a fee.     After a few months of using, I determined that the benefits did not warrant the {$95.00} fee. As such, I contacted chase ( either by phone, secured message or chat ) and asked to convert my card to a non-annual fee and I stopped using the card altogether. In  XXXX     2017, my  card was charged the fee. Since I did not use the card and expected a {$0.00} balance, I did not realize until  XXXX     2017 tha t I had been assessed the fee, a late charge, and interest on the balance.     When I finally realized what had happened, I contacted Chase and they conveniently have no record of my request. My daughter had a similar incident with Chase when she applied for a credit card where they agreed to approve the card and subsequently never received the credit card. Eventually, she was informed that they misplaced the paperwork.     I believe this is similar case. Why would I pay for an annual fee when I do n't even use the card.     In any case, I contacted chase and they refused the refund the fee and interest. I have now since paid my account current and have a balance of roughly {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: FIRST HERITAGE CREDIT LLC
State: AL
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:
DID A HARD INQUIRY ON MY CREDIT WITHOUT MY PERMISION OR KNOWLEDGE AND HURT MY SCORE.

Company response to consumer: Closed with explanation