BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 I balanced my check book with my bank statement at Regions Bank. I subtracted multiple automatic drafts from the balance all due to be withdrawn on the first of the month. I then paid several bills and had a {$97.00} balance. On the XXXX of the month an unexpected draft was pulled as the annual renewal for my web page. It was {$96.00} and I was naturally concerned but according to transaction register had {$1.00} remaining. However, I checked my mobile account and noted a {$14.00} negative balance. I called the Regions national number and spoke with an associate named XXXX asking if NSF OD fee could be avoided by deposit to cover that amount since my payroll check would be in XX/XX/2020. She assured me there would be no overdraft fee. However, XX/XX/2020 I found a {$36.00} nonsufficient funds charge. I pulled up account activity report and it appeared that the {$14.00} overdraft resulted from the overdraft fee itself. I called the main number for Regions national and waited 32 minutes without speaking to anyone. I then called local bank and spoke with an associate and the manager, who said that the report just " looked funny '' and that they wished it looked different but the overdraft fee would stand. I then rebalanced the XXXX statement and rechecked my XXXX math twice and could find no reason for the overdraft. I then called the national Regions number again and was advised that the overdraft was charged because of " pending '' drafts on my account and that Regions was not at fault in any way but that XXXX ( an XX/XX/2020 charge ) and XXXX ( routine monthly transactions coming sometime at the first of each month were at fault because they had not " finalized '' these pending transactions. It appears to me that Regions may be " batching '' charges in such a way as to precipitate an apparent overdraft situation.

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 2022-12-12
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Reference XXXX Subject : Unauthorized transactions in the about of {$200.00} and {$100.00} within XXXX minutes apart of each other. 

Important note : If you need me to file a police report I can do that. I would like to press charges against the person with $ XXXX low down XXXX ( $ XXXX ). How can the XXXX Police get in contact with you to obtain more information so they can located/charge this person as an accessory to a crime. 

Question XXXX XXXX XXXX | $ XXXX | XXXX | XXXX Question XXXX {$200.00} to low down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX | {$100.00} to Low Down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX Question XXXX I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down with out my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 
I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 
Question XXXX No Question XXXX XXXX XXXX XXXX Stylus Question XXXX XXXX, Illinois Question 7 No, I did not. 
Question 8 I do not think I had setup. I was not aware that I could setup a pin for performing transactions. I will definitely be setting this up ASAP. 
Question 9 & 10 Yes, I have possession of my device but a so called associate had used my phone when I closed with out my knowledge and permission to steal money by sending it to someone they know. 
I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down without my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 


Important Note : I am an XXXX XXXX Veteran I have no reason to lie about this. I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Over the last few months Experian has been upgrading my account from free as I previously set it. However, during that time there have been multiple billing attempts from Experian for an upgraded account. At one point I opened a live chat session and advised the rep that I should not have been billed. At that time I thought the issue was over but a day or so later I tried to login to my account to look at my report, but I could not due to a " billing issue ''. I then called in and went thru the entire explanation process and was told the issue was resolved. Unfortunately, it has happened again as I am currently being billed and I can not afford for them to take money that I need in order to pay my power bill to get thru these hot Florida summers. This is really affecting my family as well. I have been afraid to have any funds sent to the account because I am afraid that Experian will take it and cause my bills to be late. I am beginning to think that this is Experian 's way of bullying me due to my relentless efforts to hold them to accountable to remove unreported/inaccurate information from my report. 

As of XX/XX/2023 Experian has continued to attempt to bill me making me unable to bank normally out of fear that Experian will take my money. This has cause me hardship.

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 2022-03-02
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to Shellpoint Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said Shellpoint has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX www.ShellpointMtg.com Phone Number : ( XXXX ) XXXX Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a dispute for my XXXX XXXX XXXX back in XXXX 2022. There is no XXXX XXXX being reported on my XXXX XXXX report and proof was provided. As of today, the bankruptcy is still reporting and the dispute has not be closed or resolved. In addition, I am not able to access my credit report due to the open dispute. I have called several times and no rep was able to assist me.

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 2023-06-13
Company: EQUIFAX, INC.
State: IL
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.

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 2023-04-28
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent in paperwork on XX/XX/XXXX to ask for a partial claim and then a beginning of my payments on XX/XX/XXXX. I understand I keep getting collection calls. For being past due. But the same mortgage company, American Home Mortgage Company. Has told me that I have to have my deck repaired and complete. And their insurance was only {$3500.00}. That covered a {$7600.00}. Repairing my deck because of a tree that. Fell on it XX/XX/XXXX. That difference of {$4100.00}. I, of course, used to repair the deck. I can resume my mortgage payments, of course, if they're a little bit more affordable. Currently, they're 1688 dollars a month I applied for a loan modification. For a 40 year term. And I guess that's the best I'm gon na get with that, and then a partial claim of the balance of that I'm caught up to date. I have not heard from the mortgage company in reference to this. They've called me four times in the last 10 days when I go to answer the phone. They hang up immediately. When I call back, they say there's no paperwork needed whatsoever. I ask, why are they calling then? They don't have an answer. They said, everything 's fine? So I called back again this evening and spoke with the very rude individual about. Lock and he told me that they were needing information from me and that it was a credit report from. 7th, that they couldn't get pulled because I had put a freeze on my account. I've done nothing of the sort. I think they're just stalling out so they don't have to do a partial claim and a loan modification. This is an FHA loan.

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 2023-03-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I received a note from XXXX XXXX XXXX that my credit report was accessed by Comenity/Ulta fraudulently to open up a credit card in my name without my consent. I contacted Comenity to flag this account for fraud, and they mentioned that the person who opened the credit card provided the wrong birth date and phone number, yet was still provided approval for the credit card and subsequent purchases, which amounted to about 650 . 

I have since locked and frozen my credit at the various credit reporting agencies. Comenity is currently investigating this issue, with an eta for resolution in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX, XXXX, XXXX XXXX, {$920.00} XXXX XXXX, XXXX, {$500.00} Account Never Granted Closed by XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} The collection and credit reporting agencies have broke the following laws according to the FCRA : 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s -2 Please remove immediately

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 2022-12-12
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX  whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my XXXX XXXX, pay for XXXX  or for XXXX on my own because of Chime will not give me access to my XXXX money. 

On XX/XX/2022, I opened an account with Chime XXXX XXXX. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. 

On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my XXXX XXXX XXXX XXXX XXXX after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed XXXX conference calls to Chime customer service to have this issue resolved. 

Please, Please help me get my money back. This XXXX  has been delaying the XXXX XXXX XXXX that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen XX/XX/2023. Card ending in XXXX. I discovered this around the XXXX when I got back into town from taking my daughter to XXXX for her XXXX birthday. I called Chase to report it stolen. There were many small charges made while I was out of the area. The representative went line by line. I did not dispute every single charge because some subscriptions I have are auto paid with that card and are legitimate charges. I was credited for the fraudulent charges. A couple weeks later, I was charged again and the claim denied. During the call, I was transferred to an account executive that explained the legitimate charges had caused a denial because they were incorrectly marked as card present. She corrected those and we were later denied again. I was told theres no other option to fight this and so I am asking a higher power to step in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
In XXXX of 2021 I filed a dispute with Equifax about the unverified account.Account number XXXX of {$130.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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:
On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to XXXX, Equifax XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: GA
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:
All accounts listed for each bureau that I have uploaded are NOT my accounts. I have gone thru the FTC website, also submitted my own paperwork with the 605b and 609e, attached but to no change at all. The police would not let me do a police report because they said my ID is valid which what was used to get the vehicles and credit cards, but it was not me. Please help immediately please.

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 2023-05-04
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXXL and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.

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