BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, XXXX XXXX, made a charge to my account which was incorrect. I was able to obtain a refund for this charge, but I had reached out to CHIME BANK and alerted the dispute department, and they cancelled my card immediately and issued a new one. 

After this I had another issue with XXXX XXXX XXXX services. They had a glitch in their system and a transaction was stuck. They sent a manual authorization release form and CHIME BANK refused to release my funds. 

Then on XX/XX/XXXX the charge was dropped, and the funds were never released into my account. Approximately 45 minutes later a charge was posted with the posting date of XX/XX/XXXX @ XXXX XXXX XXXX for {$100.00} and {$0.00} How could a card that was cancelled a week ago be used to make a purchase? That question was met with more confusion and then a fallacy stating that there was a temporary card issued to me and that was the card that was used. This is impossible because all cards were turned off and the only card XXXX has on file per its billing department ( see attachment email correspondence ) is the card ending in XXXX. 

As a member of CHIME BANK since XXXX I am deeply disturbed to know they dont the safety and security of customers money seriously. I have a permanent disability and receive Social Security monthly. I made one mistake cashing a check and CHIME BANKs security department reached out to me with no recourse or appeal process, but now when CHIME BANKs security is compromised by allowing a card that was already cancelled to used and the transaction post to the members account ; its sickening and deserves to be investigated at the government level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX took {$1200.00} out of my checking account at Chase Bank. I didn't sign the paper to authorize it. So they let my daughter sign before they would leave! The problem is that my daughter was not on my account! It was only me on the account. They caused my account to be overdrawn! I filed fraud charges against the movers and Chase let them have the money any way because I didn't have a receipt! You can't get a receipt when it is fraud. So when I got my first social security check in XXXX it took almost all of my check for the overdraft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have PNC Bank. Since XX/XX/2019, I have been compromised a multitude of times. I even opened up a brand new account with them. I still CONTINUE to be compromised. Their security is faulty and lacking, and I've lost THOUSANDS of dollars with PNC. They haven't done anything to better secure my account, they just keep doing the same thing over and over again, with the same result -- my account by compromised. Someone has been using the " card free ATM access '' to withdraw money, has been using XXXX and XXXX to transfer funds, and using it at various retail locations, including XXXX XXXX. I've been compromised so many times, I lost track. I can't even list every time I've been compromised because it's been THAT excessive. Recently, there's been over {$100.00} taken out of my account by XXXX " XXXX '' or whatever her XXXX   name is. I can provide records of the transactions I did not make starting with the new account back to XX/XX/2019 upon request. I would have to go through with my bank and go through which transactions I disputed ( there's too many to count!!! ). They haven't given me any credit to my account, resulting in me not being able to pay bills. Now with my fiance out of work due to COVID-19, it's even more critical I get this resolved. I want my hard-earned money back NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I disputed my XXXX XXXX  / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through Transunion. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to Transunion on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked my XXXX to XXXX using Chase XXXX XXXX. The flight I booked with XXXX XXXX on XX/XX/XXXX traveling on XX/XX/XXXX using my reward points. The flight was later canceled by XXXX XXXX and I requested a refund. After a long wait, XXXX finally refunded the money to Chase in XX/XX/XXXX, and chase provided me with a future travel credit of XXXX XXXX Due to this issue, I decided to close my account with Chase in XXXX of XXXX. 

I contacted Chase on XX/XX/XXXX to use that travel credits and they refused to book the travel mentioning the airline already refunded the money. The only thing chase can do is refund me XXXX $ which is the dollar equivalent to the points I used and not the value of travel credit. 

Chase promised me a future travel credit of {$860.00} which they are unable to fulfill and forcing me to take a refund of {$570.00} a lower amount than its worth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: Ocwen Financial Corporation
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:
PHH Mortgage reported XXXX late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with PHH acct. num. ) to have payments differed until after my orders ended ( I.A.W. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called PHH to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. PHH customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into XXXX and it did no good ). PHH states they have no way to call XXXX to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, PHH 's research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, PHH customer service and XXXX to get the mess sorted out but XXXX said they are not allowed to talk to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with Experian, XXXX and XXXX I was told the steps that I needed to take to have these XXXX fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on 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 2021-06-17
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted Transunion in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I tried to make payments by logging into my account. I had fraud activity on the account which I reported to them. They never contacted me about the fraud either through mail, email or phone. Instead they locked me out of my account and I was unable to make payments. Affirm NEVER reported any of my positive payments. They locked me out of my account, prevented me from making payments then reported all of the late payments to XXXX who happily reported the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was taken and used by someone. It couldve been my ex wife or someone else. However I have proof from capital one that the incorrect PIN number was entered multiple times. I filed a police report also. I also went to the capital one bank and the manager pulled up the video surveillance system and confirmed it was not me they withdrew the money and also that the incorrect PIN number was entered multiple times. So there is multiple types of proof of fraud. The first unauthorized transactions were back to back withdrawals of XXXX XXXX then another XXXXXXXX XXXX then another XXXXXXXX XXXX all at the same time. Then they went to XXXX XXXX and spent {$2300.00}. Then XXXX and spent over XXXX XXXX And then they withdrew even more money after that. So theres video surveillance proof of fraud and theres the incorrect PIN number entered multiple times. I reported the unauthorized charges within 1 business day of them happening. However even with the video proof and incorrect PIN number entered capital one denied giving me my Money back and they are holding me liable. The manager at the capital one bank was very nice and he was shocked that the main capital one office denied me getting this money back because of the video surveillance proof we saw. I attatched the police report and I attached the denial email from capital one saying that they didnt find a error. Which is not true. There was a error. The PIN number was entered incorrectly the first few times. And theres video surveillance proof of fraud. I attached a email from capital one with the exact claim # s for this fraud. 
Please help me get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: IL
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:
I have submitted several identity theft reports, personal statements, and police reports to Equifax about removal of fraudulent accounts and inquiries. Due to the fact I was affected by the Equifax and XXXX breach I believe this company should be accommodating my request to remove anything fraudulent, but they are not and giving me an extremely hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

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