BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: TX
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 noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act,15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-21
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 status incorrect

Complaint:
Experian continues to allow XXXX Bank to update information related to a CLOSED account, as of 2018. The account was rendered a CHARGE-OFF ( the account is fraudulent per police and FTC report XXXX. However, Experian continues to allow the original creditor access to the fraudulent account and update the account with fraudulent information that the account is LATE each month. US Bank has deemed the account CLOSED CHARGE-OFF but Experian continues to allow the creditor access to the fraudulent account, allowing XXXX Bank to change the opening of the account, closing of the account and status date of the account each month. This is in violation of the FCRA, as this information had been removed/blocked has been allowed to reappear and post fraudulent information each month. Experian needs to be held accountable for taking such actions that violate the law. XXXX Bank Account # 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 2021-08-24
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2021, i sent a letter to Equifax about these unauthorized inquires that i didn't authorized and its hurting my score and keeping me from getting things that i need.i sent it usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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:
Dear Sirs, I was XXXX less than one year ago. About one week into my 11 day stay, I was approached by a man that said his bonds person will bond me out. I released my Bank of America debit card to his bonds person. The following evening when I was not released, he said it was because it was Sunday. The following day when I was not released, he said he needed the zip code to my debit card account. The next day when I was not released, I asked to speak with an officer and he cancelled all actions. A few days later I was bonded out by my employer. I immediately checked my bank account and it was emptied. There was a {$720.00} credit posted to my Bank of America checking account which taken back the following month. A Bank of America representative said there was nothing unusual about the transactions. I did exactly what Bank of America required and I filed a police report with a XXXX County officer. Do we not have cameras that record transactions? Are not cases involving fraud federally insured? How can we make the man and his friends repay the money him and his friends stole from me and the bank? What about my time filing a police report with a police officer? What do you think should be done in this situation? Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased {$4000.00} in USDT to the platform XXXX from an ATM on XX/XX/2023. Then I made a wire transfer from Chase Bank to XXXX in the amount of {$16000.00} on XX/XX/2023. This money from XXXX was then sent to the XXXX Cryptocurrency Platform under the website address XXXX. The {$20000.00} was used to trade and resulted in an amount of {$370000.00}. On XX/XX/2023 I asked to withdraw the money from the XXXX platform and the customer service agent told me I needed to pay {$48000.00} in personal taxes before my money could be withdrawn. They said if I pay these taxes I would not need to report my earning to the IRS. I told them just to send me my {$20000.00} back and keep the rest and they said they could not do that. They also said they could not cancel any withdrawal over {$100000.00}. Therefore, because I do not have {$48000.00} to pay the taxes I can not withdraw my money and according to my tax agent, I should not be paying any taxes to them anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2023 around XXXX MST, I attempted to withdraw funds from my checking account via local ATM at a gas station. All three attempts were denied as " ineligible account ''. Every single attempt was an attempt to withdraw from checking. After the first denial, I thought maybe I selected the wrong button and made sure I selected the correct one the 2nd and 3rd attempts. After being denied all 3 times, I went to a XXXX XXXX nearby. Again I was denied for the same reason. I called BofA Associate Banking and I was told I am selecting the wrong account. I have been a banker for over 30 years and a retiree from BofA. I know exactly what I was selecting and because I was not making a withdrawal at a BofA ATM, the foreign ATM 's will only allow you to withdraw from the Primary accounts, which are my checking and savings accounts. The reason for my complaint is the associate then told me that because I had at least 3 denied ATM withdrawals that my card was now locked untl XXXX EST. I asked if she could unblock the card and I was told " no, we can not unblock the card. It will happen automatically at midnight EST ''. I explained that I need access to my funds ASAP and she said I'm sorry there is nothing I can do. I am furious as a retiree and a customer over 40 years that I had no access to my money. I could not make purchases and I could not withdraw cash. This is a policy and practice that is absolutely unacceptable!!! As a consumer, I believe the CPFB needs to review this policy and hold Bank of America accountable for blocking me from reasonably accessing my funds. 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 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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 Reporting act XXXX Account, 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 2018-07-20
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Conns is reporting to my XXXX credit report that I have 2 accounts  showing as " FP '' these account are included in a bankruptcy and the status on my credit reports are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Re billed for unknown charges with added late fees and interest for fraudulent charges.

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 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been paying off my statement balances in full. On XX/XX/XXXX, I had a statement balance of {$190.00}. I had some reward points for {$13.00} and made a payment of {$180.00}. I miscalculated and was short {$3.00} for paying the balance off. I didn't think it was a big deal, since my statement literally reads ... '' we will charge you interest on the unpaid balance ''. I thought no big deal, how much interest is there going to be for {$3.00}. 

The next month Payment due on XX/XX/XXXX I got my statement and I was charged {$6.00} interest. When I looked at the bottom of my statement as to how that was calculated, they charging me interest not on the unpaid balance but on {$330.00}. This is not correct. The unpaid balance from the previous month is {$3.00}. I called to complain, and the customer service rep and their manager started making things up that do not fit what is written on my statement, as to how the interest is calculated. I paid my XXXX statement in FULL, including the incorrect interest amount. The next statement that I received for XXXX was even worse. This one has an interest amount of {$12.00}. This was calculated on an amount of {$640.00}. I called again to complain, and the rep and their manager were trying to tell me interest is calculated on how much I charge on the account. THIS IS INCORRECT. I paid all of my balance is full each month ... with the exception of the month of XXXX I was short {$3.00}. They have literally charged me almost {$20.00} in interest for being short {$3.00}. There is something wrong with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted Dispute for unauthorized transactions totaling almost {$2000.00} not sure of the exact amount because my account is locked and wasn't sent an email regarding the disputes.Two of my Jobs Payroll checks are locked in the account and unable to access plus the transactions listed in the Case # XXXXI filed the Disputes for the Unauthorized transactions to Credit Karma on XX/XX/2022. My account was locked XXXX XXXX and it's XX/XX/2022 and still yet to receive any Updates or Provisional Credit I was promised.When I reach out they send the same Automated Emails that is posted in the Picture section.They won't give me an update or Tell me how long usually cases are reviewed it's past 30+ days and still no updates. I have received emails from Merchants that the Unauthorized transactions were made, and charge back has been successful and Credit Karma still refuses to give me an Update on the Case or any provisional credit for case # XXXXIve been patient it's been over 30+days and have yet to receive an Update or Provisional Credit for the Unauthorized transactions. No Credit Karma representative or supervisor is able to help they tell me they can't handle the Situation and to send email to Credit Karma dispute team that sends an Automated Email back and no real Response saying the case is still under Review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: AR
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, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX 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 2022-08-09
Company: Experian Information Solutions 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:
ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my Experian and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX  credit card. I financed with XXXX. bought a XXXX XXXX. had a XXXX XXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX. my dad has had a XXXX XXXX  for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a fXXXX XXXX of HomePoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I refinanced with HomePoint mid XXXX, so this company now holds my primary residential mortgage along with another mortgage for a rental property. Within 30 days of the XXXX, they transferred my servicing to XXXX XXXX. Once this was set up, I paid my mortgage payments for 6 months in advance to XXXX XXXX  with no issues. I try to make my next payment and they transferred my servicing back to HomePoint I paid the same bill pay that I paid when I initially got my mortgage but that was wrong. When I figure this out, I now had to make a double payment which they finally received. It appears that I am being XXXX as a XXXX XXXX as I have NEVER experienced these kinds of issues as a homeowner of multiple homes over 22 years. 
The next charge is that they mailed an escrow refund check. I in turn deposited the check into my bank account they then stopped payment on the check without notifying me and sent the analysis reflecting a large shortage. I called and they are claiming no record of sending me a check however I have the check copy, the letter that came with the check and the letter from my bank proving stop payment. They failed to send an urgent notice saying that they stopped payment and even denied sending the check in the first place costing me a XXXX fee with my bank also this effected my stellar deposit history with my financial institution of which I have been a member for about 25 years. This also posed a threat of financial harm as XXXX can cause an extreme domino effect in someone's finances. 
The third charge is that when I compare the escrow statement payment to property taxes against the actual bill that I received from my county government there is a deficit in the amount paid. Even though this is a small amount it is still detrimental to my homeownership. This company is really experiencing some issues and not only are they XXXX  and giving bad XXXX  XXXX regarding my XXXX  and causing me to lose job opportunities. They are threatening my home ownership and I really need someone to intervene as I am not in the position to hire an attorney so I will start with this as a first step. 
I have received a call from XXXX XXXX ( early evening around XXXX XX/XX/XXXX ) however there was a connection issue with the phone lines, and I have not heard back since then. This is pretty much beyond a phone call, and I need an outside mediator.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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, XXXX  XXXX  XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 2022-05-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A data breach within XXXXXXXX XXXX took place in early 2020 resulting in fraudulent activity using my social security number. I was notified of the breach but discovered my information had been used when a XXXX account was sent to collections and my credit report in the amount of {$4900.00}. I immediately called XXXX to dispute this and was told it would be investigated and taken care of. I attempted to file a police report but every city or county I called sent me to the next one. I am attaching a link with the data breach info as well as a screenshot of the debt on my credit report. 

https : XXXXXXXX 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