BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: ID Analytics, Inc.
State: ID
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:
XXXX XXXX used this credit reporting agency on XX/XX/2020 to use in a decision for a car loan. 
XXXX XXXX credit rating was XXXX. My credit score is in the 800-832 range with the other three reporting  agencies. 
Their reasons : Limited history for consumer at address and phone number. I have been at my current address for XXXX years and have had the same phone number for XXXX years. 
Distance between address and area code of phone. I live within 15 miles of the area code of my phone. 
Too few active accounts. I have a car loan for the last years and an open credit card account for the last three. All current with zero late payments. 
Total account balances. Percent of my debt to income is 20 % This company 's information is so far off that they seem fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. 

Mortgages In accordance with fair credit report act, this creditor has violated my rights.Under Section 1681s-2 of the 15 USC ( United States Code ) contains provisions related to the responsibilities of furnishers of information to consumer reporting agencies, including mortgage lenders who report payment information on mortgages.

the creditor is prohibited from providing information about my account without my written consent.Subsection ( a ) ( 1 ) ( C ) ( i ) of Section 1681s-2 specifically requires furnishers of information to report the date of delinquency on any account that is delinquent, including mortgages, to consumer reporting agencies. 
Subsection ( b ) of Section 1681s-2 outlines the responsibilities of furnishers of information to investigate disputes received from consumers and correct any inaccurate or incomplete information. This can include correcting the reporting of late payments on mortgages if they were reported in error. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. 


There are several sections within the 15 USC ( United States Code ) and other laws that prohibit creditors and furnishers from posting late bills or reporting inaccurate information to consumer reporting agencies. Some of these sections include : Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to consumer reporting agencies report complete and accurate information, and correct any inaccurate information upon notice of a dispute. 
Section 1681c of the FCRA, which limits the types of information that can be included in a consumer report, and requires that the information reported is fair, accurate, and relevant.

Section 1666i of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance.

Section 804 of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements in connection with the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime Bank froze my checking & savings account regarding an incoming credit from my employer, they state the amount and dates spanning over an 8 month period They asked for documents which I provided numerous times and still my account is frozen for going on 4 days with no resolution. I have had this account for 5+ years and have received deposits from my employer bi weekly into the account for 4+ years. Again Ive submitted proof of address copy of my Ny state identification card and paystubs from my employer. Every time I call I get a person that does not give a sufficient answer. 
I have not been able to pay my bills, buy groceries for my family or use any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Benjamin Chaise & Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Again today I received a call concerning a debt owed by an individiual not known to me. I have already contacted this company to report this but they continue to call.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I recently reported fraud on my account and I notified XXXX, XXXX and Experian and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.

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 2023-04-21
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
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 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 has violated my rights. Or 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 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 non-monetary relief
Consumer complaint received 2023-09-05
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 tried to purchase insurance for my pet on XX/XX/2023. My payment was declined several times. I checked my account on the mobile app and everything looked fine. I called Chase customer service and they informed me my account is frozen and in the process of closing. They refused to give me any details as to why, they offered no help at all. I went to a chase branch and they informed me the same thing, they wouldn't even let me withdraw my money at all. I then called chase customer service one more time and got no where again. She also refused to provide any details as to why my account was frozen and in the process of closing and why I had no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I started to close my Regions credit and checking accounts in XX/XX/2022. I had several issues with Regions bank ( not documented here ) pertaining to inability to transfer outside bank funds on an Autopay schedule for credit card payments ; I was told by an initial phone representative that this was not possible, and was moving to California and needed to close my checking, primary savings, and credit card accounts seeing as I would no longer be able to easily deposit or move funds to keep these accounts active. To the best of my recollection, I contacted them approximately six times to try to accomplish these : 1 ) Attempted on the phone and was told that I needed to visit a branch to close the checking account. Created a request to close the credit card account and was told it would be processed or I would be contacted 2 ) Visited a branch, where it was confirmed that my initial concerns about Regions bank and its credit card partner were confirmed by the bank manager and I received my funds. 
3 ) Attempted to close credit card with Regions Greenline customer service, as I received another bill 4 ) Attempted to close credit card with Regions Greenline, as I received another bill. Recurring charges accumulated on the card. As I had closed the account, I expected these types of bills to come due from the merchants ( much as if I had canceled a credit card if it was lost or stolen and the number became inactive ), not for Regions to continue operating an account I had asked them to close several times and had been assured would be processed on these phone calls. 
5 and 6 ) Contacted by Regions customer service twice to attempt to collect fees and charges that had accrued due to their incompetence in closing my account. 

In summary Regions bank Customer Service and its local employees in XXXX XXXX, FL made multiple misstatements, false claims, and attempts to collect a debt which it generated under my name due to its own incompetence deserves thorough investigation so that future consumers are not impacted by its problems. I am sad to see Regions bank struggling with these issues as I was a loyal customer for many years and it was my first bank. I simply wanted to amicably close my accounts and am so disappointed to see how poorly this entire process was conducted. I hope the CFPB can review the calls and conversations where available to determine what went wrong.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: ME
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 notified that on or shortly before XX/XX/2023, a credit inquiry was made to Experian by XXXX. I did not apply for credit from XXXX or any other entity. I had a XXXX card in the past ; I closed the account in XXXX of last year. XXXX has no justifiable or legal purpose in making this inquiry ; since a hard inquiry negatively affects my XXXX XXXX, I regard this as a form of illegal harassment. XXXX has for over six months refused to investigate or even acknowledge fraudulent purchases made by an unknown person on XX/XX/XXXX, continues to bill me for a charge I did not make, and has generally behaved in a despicable manner to someone who was a very good customer. I want this inquiry removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to express my deep concern and frustration regarding a series of unauthorized transactions on my CURRENT Bank account ( also known as XXXX XXXX XXXX ), which have resulted in significant financial hardship for me. I kindly request your intervention to help resolve this matter promptly and fairly. 
I noticed three unauthorized charges on my CURRENT Bank account, totaling {$450.00}, {$500.00}, and {$460.00}, respectively. I immediately reported these charges to CURRENT Bank, requesting that they investigate and refund the amounts to my account. Despite providing clear evidence and screenshots and a lot of proof, that these transactions were unauthorized and explaining that I had lost my card and had to replace it, CURRENT Bank denied all three dispute requests. 
I can not emphasize enough the impact that these denied dispute requests have had on my financial well-being. Not only did I experience a loss of almost {$1500.00} due to these unauthorized transactions, but I also faced severe difficulties in covering my bills and other essential expenses during that month. The situation was exacerbated by the fact that I had to wait for the unauthorized charges to be resolved, adding unnecessary stress to an already challenging time. 
I want to address the reason provided by CURRENT Bank for denying my dispute requests. They stated that the denial was based on the fact that I have previously done business with the merchant XXXX. I want to clarify that I did not authorize any of the transactions in question, and I have not knowingly engaged in any business with XXXX that would warrant these unauthorized charges. 
I believe that I have followed all necessary protocols and provided sufficient evidence to support my claim that these transactions were unauthorized. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that my rights as a consumer are upheld and that I receive a fair resolution. I am seeking a refund of the full amount of {$1400.00}, which I have lost due to these unauthorized transactions. 
I understand that the Consumer Financial Protection Bureau exists to protect consumers like me from unfair practices and to ensure that financial institutions operate with transparency and integrity. I kindly ask for your assistance in facilitating a resolution with CURRENT Bank, as I feel unjustly treated and unsupported in this matter. 
Please find attached copies of the relevant documentation, including statements, transaction records, and correspondence with CURRENT Bank. I am confident that a thorough review of these documents will confirm the validity of my claim. 
Thank you for taking the time to consider my situation. I look forward to your prompt response and a resolution that is fair and just.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Through Chase online, today I tried to enter an external account that I have at XXXX XXXX XXXX XXXX so that I could transfer money back and forth between it and my JP Morgan account. 

Chase online, which is the only online banking service JPM has provided me, would not allow me to do so. In addition, when another person on the same JPM account tried to schedule a transfer to XXXX XXXX, contradictory information was provided in at least 3 different locations in Chase online about the date the money would actually leave the JPM account, making it impossible to schedule the transfer, due to unreliable and incoherent information provided about the transfer, when it would leave the JPM account and/or arrive at the XXXX XXXX  account. 

Both persons on the JPM account attempted to make a transfer or set up a transfer to the same XXXX XXXX account. The transfer is needed in order to pay a monthly mortgage, yet JPM prevents users from being able to use this function, despite widely advertising its availability. JPM blocks the timely receipt of electronic funds transfers by other institutions for mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was shopping for refinancing rates in XXXX when I stumbled upon AmeriSave. AmeriSave quoted me 2.5 % on a 30 year fixed conventional refinance for a single family residence in Nevada for {$2600.00} in fees. I agreed to this pricing in XXXX and was told they would hold the rate for me for free since they were taking so long to underwrite. The loan processor then asked me to fill out the application and upload the traditional docs for underwriting ( W2s, Bank statements, etc. ) and I complied immediately. I was also told that an appraisal would be able to be waived. However, I was charged for an appraisal and subsequently told I'd be reimbursed for it at closing as I assumed it was a paperwork issue. For months, I was asked for more and more information despite having an acceptable DTI ratio and prime credit. In XXXX I said to the loan processor that this is getting ridiculous and that they needed to finalize closing already. When I received closing disclosures, AmeriSave snuck in 3.5 % interest ( NOT the 2.5 % I agreed to ) and {$6200.00} in points ( NOT the {$2600.00} ) I agreed to. The loan processor told me that it was just reflecting current pricing and he would get it corrected. Then the next closing disclosure reflected the same higher amounts. I complained, and was told that they can not change it. It seems that AmeriSave is back to their old Bait and Switch tactics from before ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation