BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2023-01-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I saw a chime advertisement that said they cash checks. After I gave them all my personal information and made an account I was informed that they do not cash checks unless I set up a direct deposit. 

I then called to complain and tell them that my account was created under false pretenses and I feel like I was defrauded. I then asked for my account to be deleted and all my personal information be deleted. 

They told me it was deleted, but I received a debit card in the mail... 

They still have my personal information, and I'm not sure if my account was even closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I reported at least {$20000.00} in fraudulent charges to my XXXX issued by Bank of America. These charges have yet to be resolved and negative reports have been sent to credit agencies. 

I have written and called the bank every month requesting the fraudulent changes be credited to my account, late fees reversed and credit agency reports be corrected. the bank has failed to take appropriate action each and every time. 

XXXX XXXX XXXX today, XX/XX/XXXX in a telephone call, I was told Bank of America 's employee XXXX XXXX XXXX that the bank had not coded all charges as fraudulent. This contradicts the bank 's most recent statement.. After coding all charges as fraudulent during the call, XXXX confirmed the account balance is XXXX. Nonetheless and worse still, XXXX then insisted that I pay " something '' to the bank since the " account is past due. '' She made this specific claim on the phone XXXX XXXX I was unable to convince her that since I owe the bank nothing -- I haven't used the card since fraudulent charges were made XXXX XXXX XXXX  -- there could be no late charges. She continued to say, " You must pay the bank something. ''

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 2021-02-09
Company: EQUIFAX, INC.
State: NC
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 check my credit today and I discovered my XXXX and my exqifax had drop my XXXX severely so I look to see what the problem was 1 there's a charge that has been on my credit since XXXX and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on exifax and XXXX  31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become depressive and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX XXXX to day and I'm just XXXX and angered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: FBC MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FBC Mortgage purchase an insurance using my escrow account money without my permission.

My previous lender sold my loan to FBC Mortgage on XX/XX/XXXX. When this loan was transferred, I did have an active insurance policy, which covers from XX/XX/XXXX to XX/XX/XXXX. This insurance policy covers sufficiently already. There is not much difference within the two policies. The new policy is just more expensive. 

Moreover, FBC Mortgage asked me to cancel my old policy. I want to stay with my choice of insurance policy. I have tried to contact FBC Mortgage and the insurance agent XXXX. There is no one answers the phone or replies the emails. 

I have looked the website and people are saying FBC Mortgage can get kickbacks from insurance agent by doing this. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did receive XXXX dollars from bofa but the claim was for XXXX its the same claim but the XXXX was wrote up with different claim number the sheriff did that please co tact me at XXXX or XXXX I already made a complaint before.

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 2022-04-10
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 is missing that should be on the report

Complaint:
The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With XXXX And Experian It Is Not Showing My Last Payment With The Bank " XXXX ''. My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On XXXX And Experian, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Passed overdraft fees, that were incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company has incompetently handled my application for loan refinancing. After completing an appraisal on XXXX XXXX, I could not get an updated status on the my application as the appraisal was " pending submission '' from the contracted firm. Upon finding the information of the appraisal company in XXXX, I learned that the lender cancelled the appraisal without justification. I shared this information with my new loan processing officer who again continued with inadequate updates until I escalated daily calls with lender. We finally received our XXXX appraisal on XX/XX/XXXX. Of course, the firm made us resubmit new financial information and took out another hard credit inquiry because of the expiration of documents. The frustration continued again when our loan development halted again to re-certify the XXXX appraisal on XXXX XXXX. Today, on XXXX XXXX, we were scheduled to close, and I received a frantic call from the notary saying they could not proceed with the closing as XXXX had not submitted the paperwork. We started the refi process in XXXX, and 6 months later, we have still not closed. The mortgage loan officer information is below : XXXX XXXX Mortgage Loan Originator Office - ( XXXX ) XXXX Email - XXXX XXXX Mortgage Licensing System ID # - XXXX Conditional approval letter shows approval on XX/XX/XXXX. This is the longest loan I have ever seen process. 
I believe the firm is leading me on to collect more interest since the previous loan has a higher rate. This is predatory behavior and the firm has not given me resources to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XX/XX/2020 I completed the online process to request a security freeze with data reporting company SageStream , LLC. I also submitted a request for a copy of my consumer report that they have to be disclosed to me. I never received confirmation of my request. I never received a pin number for the security freeze I requested. I have called their number XXXX XXXX XXXX XXXX numerous times and no one has ever picked up the phone. The line instructs to leave a message and someone will get back to me. I left numerous messages and NO ONE EVER got back to me. SageStream , LLC is a for profit data reporting company that has information on consumers and it is unacceptable that they are evading responding to a consumer that they are reporting informaion on. I have not been able to review the report they have on me or confirm any inaccuracies in their report. I want SageStream , LLC to stop violating my rights and to produce a copy of my report and confirmation of the security freeze I originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " XXXX '' And Also " Transunion '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!

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 2022-03-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD bank is involved in this large fraud as I am not the only one. Two accounts were opened for me, a checking ( I got these checks in the mail ) and a XXXX XXXX. 
The account was opened in XXXX when I called the bank they said it was opened on line, so there was no way to track how it was done. There was no help from them actually extremely rude. And later I found out that this couldn't even be done over the phone and I needed to prove to them who I was. SO I asked when I supposedly open the account how did someone proved it was me then. It was done on line they said, so I can't close it over the phone but you can open it without a pic ID? 

Of course I immediately called again spoke to the fraud dept. but heir costumer service which transfer me they did so to everyone under the sun, yet no one that was really in charge. Finally someone said we are closing this account, report it to your credit bureau and the police if you want, and freeze your credit report. 
After I thought the matter was done I got checking books, statements with an amount of {$5.00} and more statements letting me know that there was a transaction one XXXX a person called XXXX XXXX sent {$10.00} with 2 different transactions. 

Later more statements letting me know I was overdrawn {$5.00} I have received statement after statement although I called them to close these accounts again and again and even went personally to a branch to resolve this problem, today the end of XXXX I am getting more statements. I asked how can this be done without any ID? I don't know it was her answer, extremely rude woman here in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: VA
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:
In XXXX XXXX XXXX XXXX  was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..

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 2023-02-02
Company: EQUIFAX, INC.
State: NC
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:
This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NJ
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:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under XXXX5 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2020-03-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have opened a Identity thief case XXXX after found my credit score dropped down from excellent to poor. The problem was someone open Target store credit card in XX/XX/XXXX and paid couple payments a never paid balance after. In XX/XX/XXXX balance was {$470.00}. I have never open a card in Target. I am very rare using this store for purchases mostly for the business. I am in general long ago stop practicing crediting. I have opened two credit cards only for travel purposes and my payment history is more than excellent. Average I pay within month or two regardless amounts. And travel balance amounths always much more than {$470.00} and paid very quick. Why then I would open this small balance and not pay? So I filed complaint to Target and all Credit bureaus with this number and without results. My credit score is low and I am asking to investigate and help to restore my good name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NJ
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-03-25
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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