BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Company : XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My Transunion, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one  in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX XXXX XXXX ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX  ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX  ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, XXXX, XXXX and 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 2021-11-11
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello Just as I'm gon na upload some medias in the attachment menu, I'd like to go on and explain that Citibank held my funds for no just reason. I have {$17000.00} comfortably sitting down in my supposed Citibank Priority Account when it could be serving it's meaningful purpose in the XXXX  state of which I currently am. I would have moved my funds and withdrawn it if only Citibank let me but I can't access it because it is blocked. All they do is send me some letter that my account is being closed within the next 60 days and I will be mailed that which is due me after the close is supposedly complete. I have also called their numbers but they tell me to be patient and give them time that may affect me if urgent care is chanalled to my problem. I don't really care if the account is being closed or not, what matters to me is my {$17000.00}. I have need of it now that I'm edging closer to my XXXX XXXX  and I'm a single parent. All the funds therein have been acquired legally. My account is blocked and the access to my funds is blocked. I can't make ATM withdrawal neither can I make transfers to my other linked accounts. I get balance alerts from time to time stating that my funds ( {$17000.00} ) is in the account, in the current and available balance. All necessary information have been uploaded for your perusal, please kindly help me as I do have need for my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Kriya Capital, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX CREDENCE RESOURCE MANAGEMENT account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: OneMain Finance Corporation
State: CA
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:
I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The XXXX and EQUIFAX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been violated by Goldman Sachs according to FCRA Section 1681 and Section 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
Following unauthorized charges to my Chase XXXX XXXX XXXX by scammers : XXXX. XXXX XXXX XXXX WA XX/XX/XXXX- {$14.00} XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$11.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- {$11.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- {$5.00} On XXXX XXXX noticed that the account balance has gone below {$2000.00}. While looking into what happened found out these unknown charges. This Debit Card was never been used in last 4 years. Always stored at a secured locked place. 

Reported it online and called the Chase fraud number. They refunded only {$5.00} for item # XXXX but refused to return other transactions. I called the merchant at the XXXX number listed above. It appeared to be an XXXX support center. Provided the transaction number and last XXXX digits of the debit card but they could not find any of the transactions on their records. They also mentioned that the transaction number format for item # XXXX does not match their format. 

Later while doing online search learnt that this XXXX number is not XXXX. It is a scammer pretending to be XXXX. Checked with XXXX through online chat support and their XXXX customer support number and aslo called XXXX fraud number. Both XXXX and XXXX have no records of this merchant at XXXX number or these transactions. I reported this to Chase. Visited local branch, talked to Chase escalation department and also customer support through secure email. So far they have refused to honor the XXXX day Zero Liability agreement and refund the money for XX/XX/XXXX and XXXX. Also refused provide any further details : XXXX. How was the debit card information leaked and used? 
XXXX Who is the merchant since XXXX XXXX in the transaction denies those charges? 
XXXX. Why did Chase fail to detect these frauds? Simple search on the internet shows these frauds have been going on at least since XXXX. 
XXXX. Why can't Chase work with XXXX to reverse these charges occurred in XXXX? 

No answer received and no refund for the XXXX transactions on XXXX which was reported on XX/XX/XXXX, well within the XXXX days as per the XXXX liability agreement. The issue is I am not the only XXXX. Maybe thousands or could be millions have been the victims of this scam. Reporting this to ensure that Chase should stop blaming customers for its failures to protect the data and money. Justice should be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: TN
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:
Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a valued customer of Chase Bank since XXXX. However, on XX/XX/XXXX, I received a notification letter stating that my checking accounts and four credit cards would be terminated by XX/XX/XXXX. The letter did not provide any explanation for the account closures. I have always maintained a positive relationship with Chase and have never had any issues such as overdrafts, missed credit card payments, fraudulent activities, international wire transfers, or any other suspicious activities. 

I attempted to contact the number provided in the letter, and I spoke with a manager who informed me that a back-office team had reviewed my accounts but did not disclose the reasons for the closure. This sudden account termination has put me in a difficult financial situation, and I respectfully request that my accounts be reinstated. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Their investigation did not fix an error on your report

Complaint:
Hello, Sometime ago I submitted a request to have a bankruptcy filing which I was advised by my attorney to file due to an illegal foreclosure. Unfortunately my initial mortgage was with XXXX Bank and after a couple of years I took advantage of the federal Making Your Home Affordable Act. XXXX had me withhold payments for almost a year while they processed my application. I was approved and made all of payments at the new rate for almost 8 months when my mortgage was sold to XXXX XXXX XXXX. XXXX never transferred the paperwork for the new rate so XXXX XXXX demanded all payments which XXXX had me withhold and raised my payment amount to the original loan amount. Eventually XXXX Bank had to settle with mortgage borrowers for mishandling paperwork for which I received a paltry settlement in the HARP class action lawsuit. Both XXXX and XXXX XXXX also had to remove any derogatory credit information, but this didn't include bankruptcies their clients were forced into due to their actions. My credit record was fine before this illegal action by these banks and I would like to be made whole again by having these bankruptcies removed from all three credit bureaus. 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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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 was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account Number ending in:XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1100.00} I have been using Chime with relatively few issues since doing business with them. After an unfortunate situation where my Chime card was somehow compromised and debted multiple times without my authorization, Chime has disappointingly failed a loyal customer by almost instantly denying my claim ( after the charges went from pending to claim ) seemingly without a thorough investigation. 

I was sent a Fraud notification only after multiple unauthorized charges was made and responded accordingly. 
I received a fraud Alert and replied ( NO ) that I did not authorize any transaction by " CXXXX XXXX XXXX ( Screenshots provided ) I have since requested an appeal as well as the documents used to support their denial decision. I was told I may receive them in 10 business days. I see no reason why Chime 's Dispute Department aren't able to send them now. Especially since their team is available 24/7. I believe instantly denying a claim and Then attempting to " find '' details within 10 business days is very backwards in my humble opinion. I like Chime. I like Chime very much. The services Chime offer are exceptional and easy to use. I hope Chime will investigate more thoroughly during the appeal. 

I am asking the XXXX  to mediate and help Chime & myself resolve this unfortunate situation nd avoid small claims. 

Respectfully with love, XXXX Added Note : I was given the option to request the documents used to come to a decision OR to file a rebuttal. Never given the option to rebuttal the documents used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: OK
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:
Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX 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 explanation