BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I contacted Chime about a refund I was supposed to receive from a company. I have several emails from said company stating I was due this refund. When it didnt come on XX/XX/XXXX, I called Chime to issue a chargeback on this because I absolutely needed the money back that day. 

XXXX XXXX XXXX, and that was the last day I was able to buy supplies for my biggest signing of the year. I provided Chime emails from the company stating I was due the refund. Not an hour after I sent it, I was informed by Chime that the proof I submitted wasnt good enough. I was now unable to attend my biggest signing, buy books and supplies for said signing, and am now out over {$1000.00} in lost income. I dont know who determines the outcome of this, but I also received an email saying that while I was not refunded initially, I should have been on XX/XX/XXXX, causing the lost income. 

On XX/XX/XXXX, while having an active spotme feature, I deposited XXXX into my account. Due to a system error admitted by Chime, the money I deposited became unavailable for me to use. I have had several supervisors admit this was a fault on chimes part, but no one wants to refund my money. I would like this money back that everyone admits is mine, but wont refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Shellpoint Partners, LLC
State: TX
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:
On XX/XX/XXXX I called XXXX XXXX to inquire about refinance options, the call was dropped before I could tell them my husband lost his job due to covid and I immediately got an alert from experian that XXXX XXXX pulled our credit and a mortgage application was started without our authorization. I immediately called Mr. XXXX back and filed a complaint, he acknowledged the illegal pull but has failed to fix it. I've called XXXX XXXX 15 times to fix this. I kept being told it will update from university on XX/XX/2021, but it has not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX  XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. On XX/XX/2020, I received an email from XXXX XXXX XXXX please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. Sincerely, -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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:
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. 
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.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On Janurary XXXX XXXX I sent letters out to all three credit bureaus about the account XXXX XXXX XXXX that is listed on my report as XXXX $ debt. By law they have 30 days to validate and send correspondences showing and validating this debt. They have sent back no correspondence letters to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 my checking account was cleaned out in the amount of XXXX and my Wells Fargo credit card in the amount of almost XXXX. The hacker opened 3 accounts in my name XXXX, XXXX XXXX and XXXX XXXX. I called Wells Fargo immediately I looked at my account at XXXX XXXX  on the ninth to see if our Social Security checks came in they did when I went back at XXXX to pay bills all our money was gone. Wells Fargo made a claim and said they would get back with me they refunded {$1400.00} on one of the charges of my credit card and they refunded XXXX for a XXXX I didnt do. I received a letter on XXXX XXXX from XXXX XXXX senior vice president over claims she was stating that she was closing my account and they were not paying any further because they could not establish fraud basically told me that I was stealing my own money. I looked into one of the withdrawals for {$1500.00} that went to XXXX so I called XXXX to see what could be done and talk to the fraud department he informed me that there was still {$1500.00} in that account and that hackers had not transferred the money yet I asked him if he could transfer the money back to my account and he did so I retrieved XXXX myself. Another XXXX went to XXXX then they were sending money to people I dont even know. Later that day I received a phone call from Wells Fargo supposedly the call ended up being hackers posing as Wells Fargo and then they talked us into a whole other situation. She said there was a way to get our money back a lot faster and that was to go to a grocery store and get three XXXX XXXX {$500.00} cards so that they can track where the cards were going to I said I have to buy gift cards and she said it will make things go a lot faster once they find out where the money is going to and then replace it and put it back in our checking account. So my husband and I went and got {$1500.00} worth of gift cards gave them the numbers didnt realize this is another scam I even have a recording of the girl telling me that I was going to get my money back faster I guess were just old and stupid. But that XXXX I retrieved it from the XXXX account before they could transfer.

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 2022-03-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-01-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX XXXX XXXX  BOUGHT THE DEBT FROM XXXX AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED XXXX COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX BANK. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! XXXX OR EQUIFAX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: NY
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:
I have disputed this XXXX XXXX and XXXX has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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 list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( Convergent Account number 1234 ) Replace this with the accounts being disputed has violated my rights.

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX XXXX  I received a letter from my bank saying that my account was low. After checking my account I find that I had many unauthorized withdrawals from my account. I called my bank, and asked me to put all the different purchases and withdrawals in the same role, so that they will give each one a different claim number. This took a little time for my investigation team to do with so many vendors .a few days had passed, but we got to the bottom of what happened someone had attach my bank card to a XXXX XXXX and on paper it appeared that I was making all these withdrawals and purchases with my bank card but my was safely in my desk, but someone had copied my numbers from my card and was making all these unauthorize purchases. the bank did resolved most of the claims but the last claim for some reason they miss it and every time I put the claim in they keep telling me it was to late, but I put them all in the same time.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to log into my experian account and it shows a wrong tel number and wrong address in Ohio and I emailed to their support there and no replies and no way to reach them by XXXX XXXX XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Help us verify it's you Your security matters to us, so please confirm your identity first. 
We'll send a XXXX verification code to the phone number on your account. 
XXXX XXXX XXXX XXXX XXXX XXXX Prove it's you another way Enter the phone number listed above ( XXXX ) XXXX How would you like us to send you the code? 
Text Message

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 2021-01-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX XXXX XXXX XXXX via CFPB on XXXXBecause i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XX/XX/XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to shop your way card, and according to CFPB on new terms, i have the right to opt out.XX/XX/XXXX said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new shop your way card.I also stated to XXXX, all i see is is shop your way adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new shop your way card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new cardXXXX then said you activated the card! .I told XXXX, I never activated the shop your way card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, experian XXXXXX/XX/XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XX/XX/XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks XXXX something is wrong and what XXXX is doing is very wrong.XX/XX/XXXX stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.

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 2023-05-22
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late

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 2021-01-01
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an offer in the mail to settle a debt that I got while I was over seas on XXXX XXXX. the agent advised I could settle the debt for {$610.00} I told the agent I did not have the money to do it and he said that they could extent to off for 30days if I give them account information to bill I was not sure but he said after 30days when the payment clears they would send a request to have the account removed from my credit report. I agreed and give my cc info, the card was charged on XX/XX/XXXX then last week I was checking my credit and saw that the account was still there and that the balance was still the same I rechecked with my bank and the payment had cleared 30 days from the offer date but acima credit never updated or removed the tradeline like they said so I called them to find out why and she said that I was not told any of that and that I would have to dispute it with the CRA I call and placed a dispute with XXXX  and on XX/XX/XXXX. On XX/XX/XXXX there was an update to my credit report that account is not listed as settled for less but not they had added 2yrs worth of late payments and even late payments for XXXX and XXXX when the account was settled in XXXX of XXXX these action caused my credit score to drop as now I have late payments for an account that was just a collection account. I am scared to submit another complaint because I cant afford for my score to drop again I have been working really hard to fix it and because I asked them to honor what was agreed on my XXXX  score dropped 23 points and my Fico score dropped 12

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation