BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX, my partner went to deposit cash into my account at a Bank of America ATM because I needed to pay my mortgage. The ATM machine did not return my card and presented a message saying that I had to go to a Bank of America office in person to request a new card. The next day, XX/XX/XXXX I see that two transactions, one of {$800.00} and another one of {$950.00} were charged to my card at a XXXX grocery store near the ATM machine that did not return my card. I immediately go to the bank and they tell me to file a dispute and block my card. I do this and Im told to wait about 10 days for a decision. Then I see my Bank of America mortgage account has late fees applied because it wasnt paid. I did not have the money since the money had been stolen therefore I went in person once again to Bank of America to have the late fees removed and after a full day at the office they were able to remove them and I managed to make the payment. The employees told me that based of the evidence of the ATM machine not returning my card I should have the money returned because I needed it to pay for my mortgage. On XX/XX/XXXX I receive a letter stating that my dispute was denied. I have a photo of the ATM message stating that my card could not be returned to me therefore it was not in my possession because the ATM machine did not return it, therefore I did not have the card to make those two transactions at a XXXX grocery store. I have also filed a police report to further investigate and prove that I did not authorize these two transactions.

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 2023-07-19
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email stating that my chime account had been closed. I had over XXXX dollars in the account and need that money to live and pay bills. When I requested a response from them they said contact them through email and wanted paystubs and my id to verify my identity. I have yet to hear anything back from them regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
afni has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. Afni has threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: FL
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 XXXX  account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: ROBINHOOD MARKETS INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I made a purchase for pick up at XXXX XXXX. They did not have this item in stock so I made another purchase online to ship to my place of residence on XX/XX/2031. I was told my original purchase would be refunded in 2 business days. On the XXXX of XXXX it came to my attention that the original purchase was never cancelled and they had took it upon themselves to have the item sent to store. I had to cancel this myself since my order from the XXXX of XXXX had been delivered. I waited for my refund to return but it never did. I submitted a dispute with my bank, XXXX XXXX via robinhood, and was told it would be taken care of. We are now at two months and I have yet to recieve my money back and just keep being told that it will get resolved. It has not and I'm tired of waiting for my money. XXXX XXXX via Robinhood and XXXX are the worst. The people who work there do not care, I've already talked to XXXX XXXX case management and they say on their end the refund was processed and was successfully sent back to me that I needed to contact my bank. My bank is XXXX and they are sitting on this they are unlawfully holding my money it sounds like to me and that is not right. The last communication I have from them is XX/XX/XXXX, in which they asked me AGAIN for information I already gave them and clarified. I have provided all email proofs that show my money was never returned to me and still they will not give me my money back. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money Lion took {$98.00} out of my account without my authorization. Also after paying what I owe them which was {$34.00}, by mistake my banking institution sent an additional check for {$35.00} money Lion corporate office in New York New York. The account was double paid and also my banking institution confirmed that that check was received and cashed and they have proof of such an action and after numerous of calls complaints and everything I could possibly think of to retrieve my money back, no one responded and off times they would just hang up in my face. All together this institution owes me {$130.00} in which it seems like I will never receive and they are still constantly trying to pull money out of my account. Also I tried to form a credit builder with those people in which I canceled that 2 days after I started the account, but instead it was reported to my credit union and caused my score to go terribly low being that they continuously try to report this when the account was closed. Please see to this issue because apparently they will not respond to me and it is affecting my credit. The address it was sent to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account number XXXX. DOB XX/XX/. XXXX social.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Green & Sons Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Oregon XXXX XXXX XXXX {$1100.00} reported to collection agency ( Outsource Receivables ) on XX/XX/XXXX This is for " service '' on XX/XX/XXXX. I have no idea what type of service or account that this is. 

XXXX account opened on XX/XX/XXXX in my name. Now {$1500.00} is due. 
Both of these companies have reported the outstanding debts to credit agencies. 

There have been 12 attempts to open credit acounts in my name since the beginning of the year. 

My credit score has dropped approximately XXXX points from XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
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: Information belongs to someone else

Complaint:
For the past few months, I have been tirelessly fighting to remove fraud accounts from my credit report. This false reporting has been causing me a great deal of hardship in my life. Thankfully companies like XXXX and XXXX have taken a course of action that shows they've done a thorough investigation into this serious matter. Please see to it that Transunion provides proper legal credit verification to these accounts that weren't authorized by myself or anyone I know! Transunion has been providing the same responses stating that these fraudulent accounts are verified without legal proof for these fictitious transactions that were done in my name.

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 2020-07-26
Company: Experian Information Solutions Inc.
State: HI
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:
Here the Steps I took : 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian ) each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians Ceo as last resort before I Sue 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 explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: MI
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:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
There are multiple fraudulent inquiries on both my credit report and my XXXX XXXX XXXX consumer report XXXX XXXX XXXX dates are as listed : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

My XXXX  credit report shows fraudulent inquiries on the dates of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NJ
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. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
My name is XXXX XXXX. Bank of America made the fraud on my earning from " cash reward credit card ''. 
BoA sent me a " Cash Reward Credit Card promotion letter " on XXXX. XXXX that promised 3 % cash back on traveling purchase and others... ETC. so i applied this cash reward credit card soon. But after i used the new card to purchase the airline tickets on XXXX XXXX and XXXX XXXX which's total {$1100.00}. There are no any cash back earning on my account. Showing " XXXX '' on cash back earning. I have called the BoA consumer service XXXX. They refused to issued any reward earning to me. The reason they claimed was '' I didn't pick up the purchase choice on traveling category before made the purchase. '' When i did activate the new credit card through the phone of BoA. The AI message just said " You can use your cash rewards card to make a purchase Right NOW '' without mentioning anything else like " you must make your purchase choice on " traveling category " on your account online before you make that type purchase. It doesn't make any sense for credit card holders in normal. 
The BoA is definitely fraud on unacknowledged to customers in advance then refused to redeem their promised rewards.

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 2021-02-04
Company: Bridgecrest Acceptance Corporation
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 started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. 


So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 


XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XX/XX/XXXX up until XX/XX/XXXX then charged off in XX/XX/XXXX but how can that be if the account was 150 days late in XX/XX/XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for trXXXX it says XX/XX/XXXX, for XXXX  says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 


Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It's been weeks now trying to get this whole fraudulent activity problem settled only for USAA to come back and tell me I'm responsible and to basically find another bank after 8+years of service. I've lost my money. 3 bank accounts. Money from my savings. And I have been evicted due to the issues caused because of all of this activity. All this and I still don't even know what's going on with my account since I haven't been able to access the account since XXXX. I feel as though this problem was handled very poorly and due to the " rules '' on fraudulent activity I'm at fault. What the point of asking for a police report it having me go through the multiple steps and representatives just to tell me that a decision was made without needing to look at those factors? I just don't get how the bank does something like this. You and your money is insured. I'm not. The bank is supposed to be my security against things like this and they're throwing me to the wolves. I'm now 1000s of dollars in debt with no way to pay my bills or get anything done. If just like to extend a very big thank you to USAA for helping make this experience the worse I've ever experienced in my life. I would suggest as a consumer that you go elsewhere because if anything funky happens with your account, they'll allow the scammer to do whatever suspicious activity and hold you accountable for not catching it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING and Resurgent ( which I believe are connected ) have been on my credit report for quite some time. I never received anything stating who they were, how they were connected, or to which accounts. I do not see full account numbers on my credit report and don't have a way to verify anything. I sent debt validation requests to which no response has been made. I finally sent an offer to settle with LVNV just to get it removed from my report. It is hindering my credit score. However, there has been no effort on their part to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is also inaccurate. The creditor keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute.

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 2019-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that Experian send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, Experian sent me a statement which reads, " The information you disputed has been verified as accurate. '' Experian also failed to provide me with the method of " verification. '' Since Experian neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.

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 2018-05-13
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit

Company response to consumer: Closed with explanation