BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting 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 a reasonable cause to believe that the information is inaccurate.

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE 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:
I have disputed these fraud account thats not mines

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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America stole my identity and used it to open up mortgage accounts in my name used for who knows what.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-28
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I included it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-28
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account, made a deposit in the amount of XXXX using my paycheck. The fund was cleared and was in the account balance for a few days. Out of the blue, Wells Fargo claimed I still owe them money from 5 years ago and took my money and closed down my account. I have no prior experience with Wells Fargo nor even know that I owe them.

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 2023-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to reiterate my complaint against Wells Fargo Bank concerning their mishandling of a dispute that has now lingered for more than 90 days without resolution, despite the merchant 's reversal of the transaction and subsequent failure to refund the consumer. The pertinent dispute details are as follows : Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence unequivocally demonstrates that Wells Fargo received the reversal from the merchant. However, they have inexplicably failed to refund the consumer within the 90-day timeframe. This situation suggests either a profound inefficiency within the bank 's operations or a deliberate disregard for positive customer service practices. 

I am submitting this complaint once again with the expectation that relevant authorities will oversee this matter and ensure a fair resolution. 

Sincerely, 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 2023-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX : notified credit card company to inquire why they reduced my credit line without notifying me. They did mot 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 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$2400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This already happened back in XXXX from the company XXXX  where someone open an alarm system under my name in XXXX XXXX nevada under my social security number but in a different address i do not live or own and under a different phone number. I requested all information on the contract which the company at that time provided and the signature on the contract does not match mine, i reported it to the police and I received a file number under XXXX with officer XXXX. Now that i check again my credit report some company showed up under collection from XXXX  smart home care from zion debt holdings which i do not recognize and not authorize for the amount of {$2500.00} this was reported since XX/XX/XXXX  from my credit report, there was no notice given or mail received regarding this debt. I would like to open an investigation regarding this alarm company XXXX  because they have been opening accounts and using other peoples name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
RE property inspections, Send any and all photos taken of the property from XX/XX/ thru XX/XX/ include the dates and times the photos were taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an established link between Chase checking account ( XXXX ) and XXXXXXXX XXXX account ( XXXX ) and have done 3 online transfer from XXXX to XXXX on XX/XX/2023 {$190.00}, XX/XX/XXXX  {$440.00} and XX/XX/XXXX  {$100.00} successfully. An transfer of {$2500.00} was also processed from Chase XXXX to XXXX. But on XX/XX/, the same transfer from XXXX to XXXX for {$420.00} was rejected without any reason given ( see attached ). When I stopped the branch in XXXX XXXX, AZ, XXXX had no response. When I asked for more info online. I was given this : " Your funds transfer could not be completed because it needed your verification. '' I WAS NEVER ASKED FOR ANY VERIFICATION. IT WAS THE SAME PROCESS AS THE OTHER 3 TIMES! 

Not only that, I discovered on XXXXXXXX  that Chase DELETED the very account i question-XXXX. I have to RE-ESTABLISHED the ACH link again ( see attached ). 

this is wrong advertising. Chase CAN NOT DO external transfer and WILL NOT provide a valid answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: COINFLIP LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
hello cfpb, the name of company that i want make complainis coinflip bitcoin atm, i called them to reverse the transaction, i told them, i was scammed and used their atm to deposit money. 
it has been 2 weeks and never heard from them, they said, they will investigate and never heard from them.pls assist- i have nowhere to go to phone number : XXXX XXXX coinflip receipt : XXXX for XX/XX/XXXX {$500.00} coinflip receipt : XXXX for XX/XX/XXXX{$700.00} coinflip receipt : XXXX for XX/XX/XXXX {$800.00} i tried to reach them via email at XXXX but it will direct you to call the XXXX shown above thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ADP Inc.
State: OR
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XXXX my card was compromised and used to make a {$48.00} XXXX XXXX transaction that I didnt authorize or have any knowledge of. I contacted ADP and had my card blocked as well as let them know this was not me as I have NEVER sent XXXX XXXX  to ANYONE EVER! They advised me to submit a statement attesting that I did not make thecharge ( see attached ). Also, they advised me they had to investigate and that it could take up to 45 days. I kept calling and checking the status and they kept telling me they were still investigating. I just received notification that they are not going to reimburse me and that I MADE THE CHARGES. I am livid and outraged. I dont know what kind of investigation they did ( or didnt do ) but they are 1000 % wrong. I WANT MY MONEY! I also reached out to XXXX who said they had NO transactions in my name for {$48.00} and said I needed to reach back out to my bank? How did ADP come to the conclusion that it was me when XXXX  verified I did not do this transaction? I want them to make me whole and provide me with the evidence of their sloppy so called investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime, a financial institution, for its failure to address a fraudulent account opened in my name on XX/XX/2023. I appreciate your attention to this matter as I seek resolution and protection from further fraudulent activity. 

The details of the incident are as follows : Fraudulent Account Information : Date of Incident : XX/XX/2023 The perpetrators used my real address and email address but provided a false name when opening the account. 
Credit File Status : My credit files with XXXX, XXXX, and XXXX are frozen, ensuring that traditional credit checks are required for any account openings. 


Chime 's Lack of Credit Check : Chime 's unique policy of not conducting credit checks with major credit bureaus allowed the perpetrators to successfully open the fraudulent account. 
Request for Account Closure : Upon discovering the fraudulent account, I promptly contacted Chime to request the closure of the account. 

Ineffective Response : Unfortunately, the response from Chime has been inadequate. While they removed the associated email address, the fraudulent account remains open, posing an ongoing risk of additional fraudulent activities. 
I am deeply concerned about the potential harm caused by this situation, and Chime 's refusal to close the account as instructed exacerbates the risk of further fraudulent transactions. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Chime addresses and rectifies this security breach promptly. Additionally, I urge the Bureau to review Chime 's policies regarding account openings and recommend changes to prevent such incidents in the future. 

Enclosed with this letter are relevant documents, including proof of my identity, the fraudulent account details, and any correspondence with Chime. Your prompt attention to this matter is crucial in safeguarding consumer interests and maintaining the integrity of financial institutions. 

I appreciate your commitment to consumer protection and look forward to a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have contacted Venmo on three occasions requesting that my account be closed. They have responded requesting a copy of my government photo ID to verify my identity. I do not believe this is a legitimate ( or proper ) request to close my account.

It is clear that this is common practice to make the process difficult enough where customers will not pursue the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX my debit card was used to make two identical unauthorized charges of {$120.00} each ( total {$250.00} ) at a XXXX at XXXX XXXX  XXXX When I noticed then I flagged them and started a fraud claim with my bank. They put temporary funds back in my account while they ran an investigation. Recently I received a letter stating that this temporary funds would be reversed because their investigation had concluded that this were in fact valid charges. When I called to question this I was told that because this were both swipe and pin charges there was nothing they could do and were in fact valid. My card has been with me the whole time and I do not live any where near XXXX, I live 4 hours away. They stated that unless I have documentation stating I was not at XXXX on the day of the charge there is nothing they can do. Oh and that they had sent me a text to my phone flagging this charges as fraud and I had approved them. First of all, I never received such texts nor did I approve. Second of all I was home most of the day because my XXXX were sick and only went to the grocery store in the afternoon to make a purchase ( approximately 6 hours after the fraudulent charge according to the representative ). How do I prove that I was home most of the day and never left the city where I live. And finally, its been well documented that in fact scammers can clone your card and steal your pin to use it, so this is not an excuse. Just looking at my transaction history you can see I have only been near XXXX once in my life on a trip back in 2020 to XXXX but there is a trail, why would I go specifically out of my way 4 hours away from where I live to make two identical charges of {$120.00} each at a XXXX none the less ( this should be suspicious enough ) and then come back to where I live and make a smaller charge at a grocery store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I noticed I can not login on to Chase App during XXXX trip and it shows account locked due to unusual activity. I called two representative and they do not have any details about this incident except they said Chase has decided to close all my checking accounts. The only recent activity on my checking account is XXXX payment from my girlfriend for our trip. I hereby declare there were no suspicious or illegal activities on my account for the five years of opening.This was extremely disappointing and needed immediate action. I have all my funds in the account and several bills needed to be paid timely within a week from now.

Company response to consumer: Closed with explanation