BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: LA
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:
To whom it may concern : Account name : XXXX XXXX XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

Per the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

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 2023-10-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-09-16
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used this prepaid card for incidentals when I stayed at XXXX XXXX. They HELD {$110.00} and the hold was lifted on XX/XX/XXXX. To date my money still has not been returned. When I called Vanilla Gift Cards they said it won't be released until XX/XX/XXXX. Their policy states 7-10 days. They had no reason when I asked why it hasn't it been released. They attempted to blame the merchant, when I called XXXX XXXX confirmed the money was released on XX/XX/XXXX at XXXX. I am requesting my money to IMMEDIATELY get put back on my card. Furthermore, the charge from the hotel was {$100.00}, but vanilla charged {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XXXX, 2020 a year or so ago I got a letter in the mail from a collections agency attempting to collect a debt from XXXX. I never heard of this account before this and never opened a XXXX  account. The debt was around {$800.00}. I ended up filing a police report for identity theft. I called XXXX  numerous times. At this point I have called them at least 10 times and have yet to speak to anyone who has been able to help me. They keep saying they will report it and call me 7-10 days. Every time I never get a call. I filled out and submitted a " fraud packet '' on their website 5 times now with all the needed information and more. No response or email like their website says. I have also XXXX XXXX fraud and there are forums discussing this exact situation happening to other people and how XXXX does nothing about it. The debt has now somehow multiplied from the original XXXX or so, to now its over XXXX Not sure how that makes any sense. At this point the lack of XXXX  dealing with this, and the fact that I have consistently provided and been transparent giving them all the information, they have not responded with it. I would also like to add, when the XXXX account was originally opened fraudulently using my private information, my credit was never dinged or notified. I have credit karma that should notify if someone opens an account in my name. My information has been breached in 19 different hacks. The fact that I have called XXXX for the last year trying to have this removed from my credit and no response, as well as numerous other people online stating the exact same thing happening, this must be a reoccurring scam. PLEASE HELP ME!

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 2020-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The complaint is against equifax for not properly notifying me with in 30 days on two separate complaints.

See pdfs for verification. 
One submitted in 4 dintvrecieve response untill 6 And another submitted on early 6 not revieving a response untill XX/XX/24 You details you will have to look at supporting documents. This complaint us against Equifax, not the companies which initiated the disputes. 

When directly communicated with equifax they say thier system shows a response from the companies with in 30days, but the documentation in pdf format shows that they failed to notify me with in 30days.,  they refuse to admit fault even when presented with the evidence of the pdf. The complaints came through the cfpb, responses should be returned via the cfpb so that is trackable by and independent third party, and not he said she. 

I am specifically not mentioning the names of the companies, because if I do equifax with despite the validity of the accounts reguardless of what my note says or the menus options pressed before this page. They are not handling complaints as requested by users. 

This is a complaint against Equifax for not updating me within 30 days of the initiation of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I purchase products from the company XXXX XXXX XXXX and it was a duplicate charge to my account. On XX/XX/XXXX XXXX XXXX XXXX returned one of the charges back to me. I was due to receive my purchase on the XXXX of XX/XX/XXXX. My items were detained by customs, I have that verified through both XXXX and the merchant. I filed a dispute with my bank, Chime XXXX XXXX XXXX  and the representative who started my claim filed the wrong dispute and chime approved it stating the merchant has already returned funds. Unfortunately I had to file another dispute, and when I did, chime once again approved my dispute stating the merchant returned my funds. They are all looking at the same return from the merchant on XX/XX/XXXX. Instead of them returning my funds to my account, they continuously give me the run around and promise me contact within 24/48 hours from an investigation team. After a month of me fighting for my money, I demanded answers. A few representatives did agree that there was an error made. I asked to submit a rebuttal but no one has gotten back to me. No communication no email correspondence or anything of that nature has occurred. This has caused a strain on my finances because during the time, my car was messed up and those funds would have covered my repairs and expenses and because I could not. I was unable to start my new job because of this lack of effort. Now I am not working and my account is in the negative by {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: REGIONS FINANCIAL CORPORATION
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 status incorrect

Complaint:
On XXXX XXXX 2020, I applied for an extension on my car loan with XXXX website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull 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 2018-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were given a 4 month trial period plan agreement to an FHA-HAMP loan modification starting XX/XX/2018. We made the XXXX and XXXX payments. 
As of XX/XX/2018 Bank of America sent us a letter saying we missed the XXXX payment. They are threatening to send us into foreclosure and make us homeless. 
We had called them on the phone XX/XX/XXXX to make the payment using correct bank routing and account information verified by our credit union. The money is still in the savings account we gave them permission to withdraw the funds from. We have been calling them several times to make sure they get the payment, but could not resolve the issue with them. Now, due to their inability to make a simple ACH transaction out of our savings account, Bank of America is giving us 30 days to make other arrangements to live! 
We have been calling them since the first attempt to pay on XX/XX/XXXX up through 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 explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: NY
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 following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XX/XX/2023.

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 2022-09-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Credit reporting 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:
On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by XXXX XXXX XXXX. I also noticed I had another unauthorized hard inquiry from CITIZENS BANK on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a fraudulent charge on my account with Chime on XX/XX/2023 for {$250.00} from some company called XXXX XXXX XXXX. As soon as I noticed the charge I turned off transactions, contacted the company to demand a refund which they were reluctant to provide me information on the charge and were near impossible to even get ahold of. I then I reached out to chime about it and was informed that they showed the company had issued and refund and suggested I wait on the refund to go through. On XX/XX/2023 I reached back out to chime to get an update and they informed me that the company had refunded and then recharged the {$250.00} from my account twice, none of which showed up on my account transaction history. The debit card in question has been locked since the initial charge took place, so I asked chime customer support why they were able to redebit the card that had been locked and why none of this showed up in my transaction history, to which they just kept saying were sorry for the inconvenience and couldnt provide me the information of it being credited back to my account and then withdrawn again. I have moved forward with disputing the charge in an attempt to get my stolen money back from a company that from everything I can find doesnt exist and so far chime customer service has given me no answers beyond were sorry for the inconvenience, well investigate. I have been in contact with them from the moment I noticed the issue and they have done absolutely nothing to help me solve it beyond tell me just wait for the refund that they are now telling me isnt going by to come. I dont understand why this has been such a drawn out process when they could have blocked all access from that company to withdraw from the card that has been locked since the initial fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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. section ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Acct # XXXX XXXX XXXX XXXX, acct # 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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
chase is continuing to violate many rules last year we notified them to stop calling and they continue to call daily multiple times for accounts we are disputing with them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.

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 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted by phone regarding a debt I have no idea about. When asked to send verification of the debt company refused and stated they would send a receipt of payment after I paid {$450.00}. Threatened to sue and take me to court and stated I would then owe {$1500.00}. Threatened to contact my employer. Any attempt for me to get verification of debt they refused. Refused to give me their address to any contact information or verify a debt. 

They refused to give physical address. Only email : XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Block, Inc.
State: NV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On multiple occasions, I have had a hotel place a deposit hold on my account, but even after they finalize the transaction, Cash App continues to hold the funds and demands a letter detailing the transaction, on company letterhead. The falsely insist the merchant is the one holding the funds, when the merchant has blatantly finalized the transaction. In the instance of a merchant legally changing name ( or the XXXX XXXX in XXXX, NV became the XXXX XXXX - very publicly ) Cash App will not accept the letter due to the name difference. 

This is blatantly using excessive holds and misinformation so that Cash App can capitalize on the misheld funds to earn interest from the money it should have released. The expectation that consumers and merchants need to take hours out of their day to kowtow to Cash App 's requirements of a letter that states what has already happened with the transaction, all while lying to customers about who has those funds on hold, is absurd. 

My most recent transaction began XX/XX/ and Cash App is stating that the merchant has not finalized the transaction ( though they have completed the transaction ) and that the funds will be held until XXXX or later. In order to get the funds released at that point, I will again need to initiate a.suolort request and once.more.beg to be given access to my money. If I do not do so, they will hold it indefinitely. 

This is theft of income, as they are keeping the interest they earn from my money in their account, while deflecting the blame onto a merchant that has nothing to do with the hold on my money.

Company response to consumer: Closed with explanation