BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MO
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 am lodging a complaint with the CFPB to challenge the presence of fraudulent entries on my credit report. In line with the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any erroneous, deficient, or unverifiable details from my credit file. Upon scrutinizing my credit report, I came across multiple fraudulent items that were not authorized by me, and hence should not be included in my credit file. I hereby request for the removal of the following items from my Credit File as soon as possible, in compliance with section 605b of the Fair Credit Reporting Act : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XX/XX/2021. I have reported the fraudulent activity to the appropriate authorities and provided all necessary supporting documents. I urge you to investigate this matter and expedite the removal of these fraudulent items from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've disputed with XXXX XXXX, and Experian incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX mortgage is closed, and auto loan with XXXX XXXX XXXX is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SYNCHRONY FINANCIAL
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft 08 SYNCHRONY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-05-16
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to go pay my taxes on XX/XX/XXXX and was given a notice that my account has been suspended. When I called Chime on XX/XX/XXXX to figure out what's going on and they said they can't give me any information because the underlying bank was the one doing the freezing. I pressed them for over 30 minutes and was able to learn my account had been frozen for a few days ( they did not inform me ) and that if I wanted to do something about it, I could try to email their support and hope for an answer within a few business days. I pressed them even more and was able to learn that the source of the issue was deposits from XXXX and XXXX, both accounts that I have had for years. 

I sent a few emails to chime support after the call with all my XXXX and XXXX statements in a panic but did not get a response to the email with the attachment. 

I called that bank ( stride ) on the morning of XX/XX/XXXX and they said that's completely false information and I should call chime. I pressed them but they continued to apologize and say they really can't do anything and they have no access to the account and all I can do is try to resolve the issue with chime, repeating over and over again that chime had lied about everything. 

I called Chime again but just hung up out of frustration. Meanwhile they sent me a very questionable email with the following paragraph Written explanation necessary to validate the source of funds loaded to account regarding : ch recd c2c transfers and then offloaded the funds thru XXXX and XXXX.u may have received Desperate, I still sent them over all my personal information, but not so much as a confirmation email. 

I have no idea what to do. I'm self employed and have taxes due, not to mention XXXX XXXX rent and now to make everything worse, I'm terrified that they're going to use my personal information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking upon my credit score and I seen that this company pulled my report without my permission. I am not for sure how they have gotten a hold of my information and I dont approve.

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 2023-09-14
Company: U.S. BANCORP
State: NY
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Applied for unemployment in XXXX of 2023. I was told my XXXX XXXX checking account was not recognized by connecticut department of Labor along with a few other checking accounts. I decided to use the XXXX XXXXXXXX  instead. I was told I could withdraw funds from any institution. However that was not the case I was given error codes trying to withdraw deposited funds. I called in on numerous occasions and was hung up on. When I finally got a representative I was told I had a daily limit of {$1500.00}. Every time I tried to withdraw at a atm the transaction was declined. I went into a XXXX XXXX XXXXXXXX on or around XX/XX/XXXX in which again the card was declined. I was given an option of a cash advance to remove funds which could be processed for a fee. I was told by representative that I could go to any US bank branch to withdraw account balance. I traveled 2 hours to a US bank on XX/XX/XXXX to be told that XXXX XXXX is a Subsidiary US bank. US bank could only perform a card advance for a fee. I was told I was not the only one experiencing this issue. Please advise

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 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a credit card with Bank of America since XXXX. Today, XX/XX/XXXX I got a letter in the mail saying my credit card since XXXX was closed on XX/XX/XXXX because I hadn't used it enough. I immediately called and the person I spoke with said that Bank of America changed the rule on XX/XX/XXXX, and no longer has to notify customers before they close accounts. I asked for when I was notified of this and the person I spoke with said I wasn't notified. The person I spoke with said that they had emailed me to tell me my card was canceled on XX/XX/XXXX. I said I am NOT signed up for ANY email notifications only postal mail.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in XXXX business days. I sent everything via certified mail on XX/XX/XXXX. 
The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. 
The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned to 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022 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. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX  XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}

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 2023-03-28
Company: Experian Information Solutions Inc.
State: AZ
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:
I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %

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 2022-04-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to Equifax from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called XXXX next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted XXXX again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with XXXX I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on XXXX so I am asking for help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I mailed a dispute letter to Jefferson Capital System ( Account # XXXX ) and my mail receipt indicated that they received the letter on XX/XX/22. After 30 days of waiting for Jefferson Capital System to validate the debt they reported to my personal credit report, it is now XX/XX/22 and they have failed to verify that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from American Express dated XX/XX/2022, requesting that I complete my new account setup. I did not open this account. I called American Express Savings at XXXX and notified them. I was told by XXXX that she will notify the back office and ask that someone call me about this account. 

Account Type = High Yield Savings Account Account # XXXX Interest Rate XXXX  % Annual Percentage Rate Yield XXXX  % Routing Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n 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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to express my deep frustration and concern regarding the closure of my personal checking account with Bank of America. It was closed on or around XX/XX/XXXX, and I was not notified of this action. 

When I attempted to pay for my medical bill, I discovered that my account was locked. Upon contacting the account closure department, I was informed that there were two options to retrieve the outstanding balance left in the account 1 ) Withdraw from a financial center if request is approved or 2 ) wait till account is officially closed to have a check mailed out. I submitted a request on XX/XX/XXXX to withdraw the funds at one of your financial centers, but I have yet to receive a response or any updates. I was informed this request usually take 5-10 business days. The request was put in XX/XX/XXXX and it is XX/XX/XXXX and i still haven't received a response yet Moreover, the estimated official close date for my account was XX/XX/XXXX, and it is now XX/XX/XXXX, but I have not received any confirmation on whether the account has been officially closed or when the check will be mailed to me. 

This situation has left me unable to access my life savings and essential funds needed for my medical expenses, rent, and other financial responsibilities. I have a XXXX scheduled, and I fear I may miss it due to this incident. 

I have been trying my best to be patient and respectful throughout this process, but the lack of communication and delays are causing significant distress and financial hardship. 

I urgently request your assistance in resolving this matter and providing me with prompt updates on the status of my account closure and the issuance of the check.

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 2022-07-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Still no answer on who owns the loan. 
XXXX XXXX XXXX has not contacted us on ownership of loan. 
Why aren't they contacting us? 
Why is a third-party debt collector in charge of this account? 
Again, letter is written to find out what is going on. 
Third-party will not give us point of contact to owner. 
Instead of directing us to the owner, third party wants to foreclose. 
Third-party mentions in their business model, that they want to help avoid foreclosure, but why did they ignore us when we completed trial modification in XXXX of 2019. 
Since then we have completed numerous modifications and they have declined all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 an unauthorized XXXX was deposited to my account from someone I know, I contacted the other person to let them know and to confirm if it was made by them or not because " someone from XXXX XXXX '' was calling to confirm I received it. They reported it to XXXX XXXX afterwards and I checked my Citibank account daily to make sure the money was withdrawn but instead both my checking and savings accounts were blocked on XX/XX/22. When I spoke to a customer service representative on XXXX/XXXX/22 due to them being closed for the holidays, they told me my accounts were in the process of getting closed and that my funds would be mailed to me within 30-60 days and that they could not provide further information. I called several times and asked to speak to a supervisor because I need money to pay rent, bills, and food for my daughter and myself but had no luck and was told one would call me. I tried calling again and twice the customer service reps hung up on me saying " your accounts have been closed and we can no longer service your accounts. '' I finally spoke to someone the last time I called and was told that as of XXXX/XXXX/22 my account was closed and that I wouldn't receive my funds until 30-60 days from that date and that they were not authorized to provide any information but that I would get a letter stating why.

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