BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX {$40000.00} into my Chime checking account from XXXX XXXX XX/XX/23 {$14000.00} posted to Chime checking account Updated balance {$44000.00} XX/XX/23 Chime put hold on my account ( Temporary security restriction ) Chime requested : -gov. ID -proof of address ( I sent in documentation ) XX/XX/23 Chime regenerated document request link after I called them because they said they didn't receive what I recently sent them. 

Chime sent regenerated link - sent documents again XX/XX/23 I emailed Chime a complaint XX/XX/23 Chime sent another link -DOCUMENTS SENT XX/XX/23 CHIME LINK -DOCS SENT XX/XX/23 I sent Chime complaint email - Chime sent automated response -ID -proof address Also sent XXXX bank email XX/XX/23 Chime requested again ID, secondary ID ( social security card ), self portrait holding ID and paper with my name and date on it ) and address bill - I sent documents XX/XX/23 XXXX Chime automated responses XX/XX/23 Chime requested documents again XX/XX/23 emailed Chime complaint letter XXXX XXXX sent documents to Chime again XX/XX/23 emailed Chime compmaint and documents XX/XX/23 sent XXXX Bank documents and complaint Than XXXX responds with requesting documents proof of {$54000.00} XXXX wants proof of the funds XXXX onto XXXX for game play and winnings into Chime but what they don't understand is that there are several different payment methods to upload money onto XXXX. I used XXXX and another bank funding source to upload money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: CITIBANK, N.A.
State: NY
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:
Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. DSNB MACYS with account number XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX ) doesn't belong to me as well.

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 2023-08-08
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/2021, became informed of fraudulent charges on card... they were charged in XXXX, Maine ( XXXX ), XXXX... all charges came out to over XXXX... I made many inferences to customer service about charges on XXXX XXXX. I can PROVE I never went to any of these places... I requested copies of all charges on account ... agent told me to look over all charges and see if more show up that she is unable to see on computer ... then highlight ALL charges and send documents back to cc company and they would make sure all gets taken care of ... I did everything I was told to do to prove my case... BUT instead of making me whole by replacing my money back in account... The customer service agent informed me she see 's only {$1800.00} showing ... A few week 's later I received a letter, basically saying the businesses who the fraudulent charges, two said they refunded the amounts ( NEVER HAPPENED ) and that my case was found that I made charges... BUT as I said, I CAN PROVE MY CASE -- my passport was EXPIRED before all charges were made ... .AND I DON'T have ANY traveling stamp 's at custom 's. 

Bank or Credit Card info - Government VA XXXX PAYMENT CARD -- DIRECT EXPRESSXXXX XXXX  XXXX XXXX XXXX XXXX PLEASE HELP ME RECOVER THE MONEY WHICH WAS TAKEN FROM MY ACCOUNT, UNLAWFULLY. 

I appreciate your time... Sincerly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize any of these companies to run my credit.

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 2018-05-12
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I got a letter from Discover Personal Loans. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from Discover personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX.  Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of XXXX XXXX. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against Discover Personal Loan, XXXX and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I am so sorry to bug the CFPB, I have tried to resolve this over the last month and a half. Experian will not update my personal info which is two extra incorrect names and an erroneous unauthorized soft inquiry. 
Maybe the CFPB is able to help. 
Thanks

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
Comenity bank continues report inaccurate information on my report, the report states that I closed these accounts which is not true.I received a letter that the store was going out of business so I personally reached out to them to try and settle or come to some kind of agreement that is reasonable due to the pandemic and now only having one income. The declined my offer and continues to report outrageous late fees every month which is hurting my score and keeping me from getting a more affordable home for my kids. The credit limit for the XXXX XXXX card was only {$200.00} but the balance is now {$610.00} due to my fees.

And the other 2 cards are reporting but shows no balance due and they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: IN
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 have ( 4 ) for accounts on my Consumer Report that's reporting inaccurate information. These are the following Acct : XXXX XXXX  is reporting a {$4600.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a {$3000.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a charge off for {$890.00} balance on my Consumer Report this account was paid in full. Please remove this account for inaccurate information. 

XXXX acct # XXXX is reporting a charge off for no $ amount please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2020-08-15
Company: EQUIFAX, 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:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer, XXXX entered into a consumer credit transaction with Discover starting in 2015. Discover violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Discover with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. Discover closed my account without my consent, due to a bank issue. After account was closed without my consent Discover continued to charge me late fees for months after account was closed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

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 2020-08-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I missed a payment in XX/XX/XXXX. I asked the bank who has my mortgsge if I can pay the missed payment over time to get current on the payments. I was granted a payment plan for XX/XX/XXXX to XX/XX/2020to pay extra and get it caught up. Meanwhile my credit is reporting late payments form the past 6 months. I fulfilled my financial agreement and obligation to pay the agreed upon extra each month on time for 6 months. As of XXXX, my loan would have been current and no more late payments reported to my credit report. 

In XXXX I payed my regular mortgage payment on time. I was sent back a portion of the full amount and told it wasnt enough to cover overages so they are sending {$440.00} back to me. And they continue to tell me Im late with payments for the next 2 months. I called and tried to pay this amount of {$440.00} back but i can not be assured it will be applied correctly. I called several Times each time im not able to get ressolution. im told that someone will get back to me about the situation, im told one of the 6 paymentd where I payed extra wasnt applied correctly. The bank admits mistakes were made but reguse to help tske care of this for me and help me. At this point I feel like theyve not done what is right by me, the customer and dont seem to even care. I am forced to file a complaint about this to get someone at the bank to take notice and correct the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Orion Capital Solutions LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  overs were birthday gift under my name and my father in laws card, i have proof they acknowledge its a gift and that they stopped paying for it. im not going to be held responsible for something that was supposed to be a gift for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received a 30 day late payment on my credit back in XXXX of 2021. I explained that I had missed my payment because I started a new position and was going through a stressful period in life. I quickly corrected the mistake and got caught up on the payment. I even showed them bank statements that I had more than enough money in my account at the time the payment was missed and they still failed to see that an honest mistake was made and remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2020-08-15
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX {$1500.00} EFT P2P Netspend froze my card for a transaction, upon calling i was told someone tried to do a person to person transfer of funds and they stopped it. I was advised a new card would be expedited to me. The next morning i received a call from Fraud Prevention department. He had me verify my information and then said the hold would be removed from my card and to disregard the new 1 coming. Later that day i noticed my phone no longer working. upon calling my provider i was told my number was ported to a phone i TX i reside in PA. i immediately tried to check my netspend account and my info was changed and i couldn't log on. I called Netspend only to find out that XXXX was electronically transferred to a card with my information attached.The rep told me they froze P2P transfers on my account and yet that how my card was emptied. They wouldn't freeze my account before the funds were taken per the ELECTRONIC BENEFITS ACT guidelines! I have not received a provisional credit as stated in netspend terms. I have found over 20 people who have experienced the same EXACT FRAUDULENT ACTIVITY with netspend IN TEXAS and their refusal to refund transferred funds under REGULATION E, EFTA, XX/XX/XXXX. I am also contacting ATTORNEY GENERAL office XXXX XXXX of Texas, XX/XX/XXXX, and a consumer protection attorney. As it appears a rep with Netspend is providing consumer information to commit fraud on their consumers. The FEDERAL BUREAU OF INVESTIGATION and TEXAS POLICE DEPARTMENTS have also been contacted due to the number of proved cases of fraud out of Texas where our funds is transferred to additional cards bought at the XXXX  or XXXX XXXX  in Texas despite us residing in other states using our private information .Netspend is a scam and never want to return funds they have stolen. I have made it my mission to get this out to the public and alerted the news. I will also be contacting FDIC and ATTORNEY GENERAL OF THE UNITED STATES!

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 2020-07-03
Company: Experian Information Solutions Inc.
State: AZ
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 have submitted a dispute with Experian, this company got my information, I never provided consent for any information or have had an account with them. On numerous times Ive spoken to them and they have refused to provide any details. Now they have reported collection to credit agencies for the amounts of XXXX that is owed and claim 180 days past due. I have never applied for credit for this mortgage as well. No record found.

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