BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
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 had a chime account that I used regularly after I deposited my money they closed my account with more than XXXX XXXX dollars in with no reasoning as to why. Now they are refusing to issue a refund for the money left in the account without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: WA
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:
I had a dispute filed by EXPERIAN on XX/XX/2023 to remove an address that was fraudulent / incorrect but when I look at my dispute results it was not deleted but it was changed/ updated with an apartment number added to it. XXXX XXXX XXXX XXXX XXXX is not my address nor has it ever been and I would like it deleted from my EXPERIAN credit report completely.

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 2023-03-03
Company: EQUIFAX, INC.
State: SC
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:
Equifax mishandled the resolution of my credit report. My credit report is being based off of someone elses social security number, and they resolved my other disputes on my report before resolving the SS number. My report has my full name, my DOB and my address, but it uses my brothers SS number. I sent them a copy of my SS card through their online dispute portal on XX/XX/2023. It still says on XX/XX/2023 that they have not begun investigation of that issue. I also mailed a copy of my drivers license, my SS card and a cover letter to them on XX/XX/2023. They claim that they still have not received the documentation. I lost my car to an accident in XXXX, and I am still without a car because of this egregious mistake by Equifax. I am expecting a complete and correct resolution within the next 10 business days to avoid pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.

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 2023-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I created a USAA profile to see if I could qualify for their serivices. I didn't nor did i open any type of account with them. Just a profile, however they need me to give them my name, DOB, SSN, addresses in order to create a profile. Since i didn't qualify for their services i asked a chat agent to delete my profile. However they told me they can not. Now i would understand if i actually had a checking, saving, car insurance, etc but i don't nor did try opening any. So now they are holding my personal information XXXX. I should be allowed to delete my profile if i didn't open any accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: GA
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:
The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under 15 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.

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 2023-02-27
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I ordered a PayPal prepaid Mastercard, I opened the account in XXXX. I started receiving my unemployment benefits to the account in XX/XX/XXXX the benefits were direct deposits. The last date I had access to these direct deposits were XX/XX/XXXX. I had more payments direct deposited to the account in XX/XX/XXXX. These deposits in total were {$7000.00}. Theses deposits are the ones I'm trying to find and gain access to. The dates of these deposits are XX/XX/XXXX and XX/XX/XXXX. I have been trying to gain access to this account for two years. I've been working with Paypal prepaid Mastercard as well as Paypal and NetSpend who I've sent all my government documents to prove my identification. I can't remember the email address I used when I opened the account or the phone number or card number. I believe they should be able to locate my money with these documents. I haven't had any luck with these companies in hopes of getting any closer to obtaining my money. I've done everything they have asked me to do and still no account with my direct deposits have been found. I have went to my local unemployment office to try and obtain the account number the funds were deposited into to give to Paypal prepaid Mastercard and was told they don't give out account information even to the account member. I am trying to obtain these funds before they get sent into a unclaimed money account in my state. I'm having to pay taxes on this money and I never received it. I need help with this please help me. Thank you

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 2019-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I notice an unauthorized charge on my account for {$2600.00} on XX/XX/2019. I immediately put my card on hold and went to Bank of America located on XXXX XXXX and XXXX XXXX in XXXX, FL. The told me there was nothing they can do until the payment post, to not worry about it that I was 100 % protect and I would have my funds back in my account immediately. They have me a temporary card, but they cancelled the wrong card. Its been 16 days and I still have no ATM/ debit card to access my account, Ive had to transfer funds from one account to another which is very inconvenient. My ATM card has be flagged 3 times in the last 2 weeks where my purchases are declined. Last time being today at a XXXX gas station for {$2.00} yet they did not flag my account for or decline a transaction for {$2600.00}, are you kidding me? Claims department sent me a letter dated XX/XX/2019 that my dispute was being canceled at my request, this is false never cancelled this claim, on day later I get a letter dated XX/XX/2019 stating that theyre investigation has been completed and they are not refunding my funds, completed in less than a week from the date complaint was filed on XX/XX/2019 really? They investigated this claim in 3 days. I had the claim reinstated on XX/XX/2019 and fax documentation that this debt was sold to a collection agency prior to sprint making an unauthorized withdrawal from my account, for 70 % of the debt. This transaction should have been flag and declined by the bank, never had Ive made a transaction this big 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 2023-06-02
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights.

15 USC 1681 Sec. 602, States I have the right to privacy. 15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX  # XXXX, has violated my rights. 

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

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 2023-11-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
From XX/XX/XXXX until current day of XX/XX/XXXX I have not been able to make a payment to XXXX Serviced by Loancare. 

My mortgage payment of XXXX can not be processed due to the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX XXXX out of commission. Multiple calls to their toll free number at ( XXXX ) XXXX have given a recording that reps are are not able to access account information. In addition to no access to account information the chat bot for the site states the following " LoanCares systems are temporarily offline. Due to this, the servicing systems are currently unavailable and the customer service center is temporarily closed. We apologize for any frustration or inconvenience this may cause. We encourage you to try back another day. Thank you for your patience. '' We are needing to make out mortgage payment and also have delayed the closing on the sale of our home due to this. 

No contact, no email regarding a breach or estimated restoral of services, and I have gotten emails form this company to apply for a new mortgage loan.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under XXXX5 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 3 Times ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - All Hard Inquiries

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 2019-07-05
Company: LEXISNEXIS
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a copy of the letter I sent " LexisNexis '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send this letter again via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: CT
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:
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute and therefore must update these accounts in my credit file. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am requesting your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late on the afternoon of XX/XX/2022 I deposited a check ( via mobile app ) into my Chase account in the amount of {$89000.00}. 

The following morning on XX/XX/XXXX at approximately XXXX XXXX  I logged into my account and the entire check amount was made available immediately for use in my account. 

At that time I proceeded to make several transfers to other business accounts held with chase and a single wire transfer to another party in the amount of XXXX. 

At XXXX XXXX, after having made the funds available to me, Chase put a hold onto my account after the fact, This made the account in which I made the deposit to have a negative balance of XXXX and change. The accounts into which I transferred the funds, all owned by different legal entities however did show that the funds were still available. 

On or after XX/XX/XXXX, Chase proceeded to withdraw without authorization the funds from 3 other accounts, the original transfers were completely deleted as if they never occurred. The wire transfer is the only of the 4 transfers made on XX/XX/XXXX that remained in my transaction history. 


On the morning of XX/XX/XXXX I went into the chase branch, I told them that I was upset, and that nobody forced them to make the funds immediately available, but that once it was made available and the funds were transferred they couldnt take these funds out without authorization unrelated entities accounts, the banker asked if I had contact info from XXXX XXXX, the bank from where the check was issued, I shared it, the banker called XXXX XXXX and XXXX  confirmed that the check was paid from their end on XX/XX/XXXX. The banker said that he was lifting the hold and that it would hit my account in 2 hours. 

Today XX/XX/XXXX the funds are still not available. The issues are as follows : 1 ) the bank can not continue to hold the funds unless there is reasonable concerns that the funds wont be paid, in this case Chase had direct communication with XXXX XXXX and no such concern exists, they have chosen to hold the funds in violation of Federal Regulation CC. 

2 ) once the bank made the funds available, they had no right to remove funds from unrelated entities, although they were not forced to make the funds available in XX/XX/XXXX Chase on their own chose to do so, there is no provision in Federal regulation CC that allows a deposit to be reversed once its made available when there has not been any information indicating any fraud whatsoever. Regardless of the above, the other entities are not a party to the funds availability, once transfers were made these entities must be able to rely that funds deposited and made available in their accounts are actually there to stay, they have not made any check deposits and can not be made a party to the hold policy of another account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
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:
charges appeared on my credit card that I did not make. I called the credit card company and they issued credit. then the credit card company denied credit and re-charged me. 

the credit card company is stating I made these charges myself face to face with the retailer. This is not true. I did not make any charges with this said retailer. At this point I do not know even the name of the retailer. 

credit card company cancelled my account and re-issued me a new credit card with a new account number. 

on the new credit card charges from the same retailer are appearing on my account that i did not make. the credit card company is again saying I made the charges face to face ( in person ) I did not and have not made these charges. Still do not know the name of the company or location or contact information for this company. I have no receipt as I did not make the purchase. 

My credit card is with Chase Bank.

Company response to consumer: Closed with explanation