BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
back in late XXXX early XXXX i made some online purchases with a company called XXXX and as i received the packages and opened them several were not what i expected including a few having defects so just as it says on the back of the receipt i repackaged them sent them back with the corresponding reasons and why i had shipped back 1 package with 4 watches in it on XXXX XXXX then i also had refused delivery on 3 other packages as well and just gave those back to the USPS although i didnt have any of those 3 receipts i did take pictures of the packages to prove i did not except delivery now after i had returned those 3 packages i had received several more packages unfortunately i wasnt home to refuse delivery on those packages in total i kept 6 watches and returned the rest i returned a total of 13 watches having only gotten a partial payment on 4 of the 13 i have all my receipts including the USPS receipts stating that they had received the packages now i had been dealing with these folks off and on for 5 maybe 6 months and frustrated i contacted my bank to see what my options were as far as retreiving my money on XX/XX/XXXX the gentleman said give us a week and your money will be returnedthen couple days later i got a call from the XXXX corporate office accusing me of doing fraudaulent business when i have had these account just over 2 years and the only money i had coming in was my SSI in the amount of {$880.00} not sure what kind of fraudaulent business i could with that little of money but i guess anything is possible if XXXX wants me to go elsewhere thats fine but i should get at least 1 of 2 options 1 is all my money back from XXXX or all the merchandise and theres even a 3rd option give me back both cause quite honestly if XXXX had beeen paying attention who orders 17 watches and on top of all this due to the fact that someof the dates dont add up as to when they got paid versus paying someone back my account went negative over {$1600.00} which meant for 2 months i had no SSI no foodstamps NOT A XXXX THING and i still have XXXX kids XXXX of which have made me a grandpa also im well aware XXXX  is accusing me of owing them over 400 some odd dollars which isnt true i owe them 1 payment in the amount of XXXX for a grand diver i made payment arrangements on and if they had not tried to cheat me out of over {$9000.00} XXXX wouldnt have canceled my card in XXXX of XXXX card ending XXXX once they pay me for everything i have coming i have no problem paying my debt with them should anybody have any questions they contact me via cell XXXX i have all receipts and USPS receipts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
State: OR
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 XX/XX/XXXX, XXXX and XXXX someone used my credit card number to make 3 charges to XXXX In the amounts of {$1000.00}, XXXX, and XXXX. 
I have called both XXXX and Chase 27 times without any results. 
My bank is Chase and even though XXXX has confirmed that these charges are fraudulent my bank refuses to reverse the charges. 
XXXX says they have handled it but still the charges are on my account. 
Please help me get my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
On the night between XX/XX/XXXX and XX/XX/2022, a car I had been borrowing from a relative was stolen out of the garage of the house where I had been staying, about a mile from my listed address. In the car was my wallet, with my Bank of America credit card and other cards. Upon discovery of the theft, I immediately called the relevant Bank of America hotline to cancel the card and initiate a claim dispute on two charges totaling {$64.00} and {$5.00} at an XXXX gas station in XXXX, Ohio. 

On XX/XX/2022 I noticed that the charges remained. I called again and was told no dispute had been entered and there was no record of me initiating one, and so attempted to initiate the dispute again. This time, the claim was indeed submitted. 

On XX/XX/2022, by accessing my account online, I happened to notice that my claim was denied. No reason is given in the message center. I received no notification, and no physical mail or email informing me in writing of the denied claim, nor did I receive any information on an appeals process. Bank of America has my email on record, and i regularly receive marketing emails from it. 

Because of my earlier experience with BoA over the phone, I did not feel that there was a point in calling for information. Instead, I visited a Bank of America office on XX/XX/2022, where a representative informed me that the claim was denied because the thieves entered my correct zip code into a gas station card-reader, information that would have been readily available to them given where the car was taken from and documents that were in the car. 

The representative said a letter was sent to my home on XX/XX/XXXX that might have information about how to appeal, but no such letter on my claim had been received as of the morning of XX/XX/XXXX, which is when the 10-day appeal window would close. There is no information listed online regarding how to appeal a denied claim, but I did send a note explaining my desire to initiate an appeal to a customer service email address I happened to find after doing a XXXX search.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX  XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

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 2022-03-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I did not open/authorize the above accounts.

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: ONEMAIN FINANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan payment is only a couple weeks behind from creditors One Main Financial and they are calling repeatedly nonstop at least 10 times a day leaving voicemails, harassing and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-10-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have asked if I could get my student loan payment lowered. In 2014 I was involved in a fire and suffered XXXX XXXX XXXX with that being said I lost my job which was in XXXX XXXX  and had no income. Due to the lack of income I incurred numerous bills which I am still trying to catch up on. I called Navient a couple of times and asked if I could have my payment lowered but they told me that was not an option, so my loan was put into forebearance which incurred alot of interest. I am struggling to pay credit card debt and my monthly student loan which is {$250.00} a month, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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 not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I repeatedly submitted my identity theft report to XXXX and XXXX XXXX stating this account was opened fraudulently and was not mine. It has remained on my credit report and they refuse to remove it, and they continue to call me repeatedly trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Allied Collection Services  last reported to my credit on   XXXX   XXXX   XXXX    . I do not owe a balance to this collection service. This agency continuously reports to my credit, negatively affecting my credit reputation. I request the debt to be removed from my credit report because the balance is paid.

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 2022-03-15
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Hello, my name is XXXX. i have been going back and forth with XXXX XXXX services as well as XXXX  Regarding unauthorized inquiries and accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX both stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : XXXX  XXXX XXXX on both XXXX and XXXX as well as Santander Consumer USA on XXXX. Here are the inquiries listed below : XXXX XXXX XXXX ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), i will be pursing litigation against them for fraud pain suffering!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BB&T CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX contacted me continuously asking for money while i was in bankruptcy. Once my case was dismissed they had men contacting me threathing to murder me of i did n't return my car. I was calked a XXXX and told i woul be murdered u am still afraid.

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 2020-10-02
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 I was admitted into the hospital for XXXX   XXXX, etc. while I was in the hospital I had fraud happen on my CHIME CHECKING account. I was discharged from the hospital XXXX XXXX, 2020. While I was in the hospital I received a direct deposit payment from unemployment Florida DEO because Im on unemployment. The deposit amount was {$250.00}. {$230.00} was taken/ withdrawn from my account. On XX/XX/XXXX, there was a payment of {$16.00} to XXXX  XXXX  which I dont even have anyways, and {$3.00} at something called XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I received a deposit of {$900.00} from unemployment. {$500.00} was taken/withdrawn, 3 charges at XXXX totaling {$100.00} and 2 more charges at XXXX totaling XXXX and XXXX. That same day a charge at XXXX was made for {$9.00}. On XX/XX/XXXX before I was discharged another deposit was received from unemployment for {$300.00}. A {$240.00} payment was made to some insurance company. I reported the fraud as soon as I got home when I saw it. I notified them that my wallet was stolen, along with my cellphone, as well as important information in a notebook I had that was pocket sized. After making my claim I realized my entire account was compromised. I received another unemployment payment of {$300.00} to be taken/withdrawn again! On XX/XX/XXXX there was a mobile deposit made in the amount of {$220.00}. I have never deposited 1 check as long as Ive been using Chime which has been a while. Thats when I dealing account was compromised. Following finding this out I made another claim to let them know what was going on. I changed my password and my phone number on my account and they issued a new card, etc. Both of my claims were denied even though I submitted all the information they asked from me as well as documents showing that I was admitted into the hospital on XX/XX/XXXX and diacharged XX/XX/XXXX. They said that nothing unusual happened on my account and my claim was denied. I am so mad and frustrated I do not know what to do. Its point blank and pretty obvious fraud was happening if I was in the hospital for so long and I have out NO INFORMATION or any permission for someone to use my account. Im so upset. All the charges come out to about {$1700.00}. I read online how CHIME is notorious and known for denying mostly all the claims that they received. Please help me get my money back. This is not fair that I am a victim of fraud and I have to suffer. Im almost homeless, I have no money for food or my phone or gas. Im so behind on my bills and I cant even catch up. I supplied everything I was supposed to on the claims. The claim numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Guild Mortgage Company LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I noticed on my Truist online bank statement that XXXX was charging {$320.00} on my checking account. I called them to cancel that charge. I spoke with XXXX XXXX who claimed to be a Senior official of XXXX ( XXXX ). He directed me to type in that amount which I did. Somehow that number was changed to {$130000.00}. He said it was approved and showed me on my online account that amount had been credited therein. He said that was an error and XXXX had to be reimbursed by doing 3 separate wire transfer charges. He sent me the needed information on my printer which included charges as follows : XXXX. XXXX {$49000.00} to a XXXX XXXX XXXX XXXX XXXX. XXXX {$49000.00} to a XXXX Bank XXXX XXXX XXXX XXXX Ky XXXX. XXXX {$35000.00} to a XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Senior Bank, Truist XXXX me that this appear to be a fraud. I called the Truist fraud line & they confirmed that no such transfer had been credited to my checking account. I notified XXXX XXXX XXXX, XXXX XXXX XXXX. and gave him copies of the wire transfers. He assigned a case no. ( XXXX ). I also contacted XXXX XXXX XXXX, XXXX XXXX XXXX. I reported this incident to the Florida Attorney XXXX XXXX. Representative XXXX XXXX prepared a complete report and forward all the info the FBI. I am an A-typical XXXX yr old senior who needs help. I had seen been called often by the scammer, but refused to answer

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 2020-03-05
Company: Experian Information Solutions Inc.
State: AZ
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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