BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
To Whomever This May Concern : My name is XXXX XXXX and I applied for an Amazon.com Commercial Account Paid in full via my online Business Account of XXXX XXXX XXXX XXXX   through Synchrony Bank.

The first application XXXX was denied stating that they were unable to verify my business name. I feel like someone in their underwriting department didn't properly research my business. If they had, they would have been able to verify that my Business is a legitimate business listed in the secretary of state of ga website, that I have a tax id number and valid accounts. 

I applied again, application ID is XXXX, and I was sent to another verification team at XXXX. She verified my information. She verbally told me that she was able to verify my business and that again, it had to go to another team. I called on XX/XX/XXXX around XXXX EST. I advised her that I would be filing a complaint because I do feel that Synchrony Bank has been discriminating against me, so I want this on record. 

With this complaint, I have included my Articles of Incorporation, My EIN letter from the IRS. My agency has been in existence since XXXX. I did finally incorporate last year. I also have a business checking account through XXXX XXXX XXXX. 

I can be reached at XXXX if someone would like to discuss this with 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2023-10-12
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2019-10-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had mistakenly set up an automatic Citicard payment through my XXXX bank account ; I discovered the error and on XXXX XXXX, called a CitiCard representative, a XXXX XXXX and requested a refund of {$250.00}, as I had made five {$50.00} payments XX/XX/XXXX through XX/XX/2019. My Citicard account had been closed for several years and I no long had the full 16 digit, as denoted by the XXXX XXXX Online Payment Information Record. Per XXXX XXXX, I was instructed to mail the information to CitiCard Payment Investigation Unit. To date, I have not to date received a formal response and made a subsequent call to a Citicard representative to determine the status of my inquiry. The representative stated the payment investigation unit could not find my credit card account nor my payments. The representative stated he would requestt an additional payment investigation. I can not believe the company can not determine where my funds were placed and that is the reason for my complaint. I will include the information that was submitted to Citicard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My employer changed payroll system at the end of XXXX and cancelled all direct deposits and issued late checks. 

Bank of America charged XXXX XXXX  monthly maintenance fee twice on XX/XX/2022 and XX/XX/2022 even I have brought up my balance higher than {$1500.00} as minimum balance for not being charged. 

I asked for courtesy refund of at least one of the two fees via customer service phone and only received A BIG NOOOOOO as an answer and barely even want to work with me. 

My other family members bank with XXXX ( Your competitor ) and had received 3 multiple courtesy refunds in one year for bank fees w/o even having to explain. 

I feel that Bank of America does not want to retain customer and is very EAGER to charge bank fees from customers. 

All I ask is for {$12.00} back ( it would be nice if you could refund both {$12.00} X 2 ) but all I am asking is {$12.00}. 

I feel sorry that for {$12.00} of bank fees, I will have to taint Bofa 's nae on CFPB website to be publish this description on consumerfinance.gov website.

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 2018-08-01
Company: Law Office of Linda Strumpf
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018, debt collector, who is posing as an attorney ( Linda Strumpf ) AND who is the CEO of the plaintiff ( XXXX XXXX ) served my bank ( XXXX XXXX ) with an illegal judgement for {$5900.00} to be withdrawn from my social security account. Thus far, they have gotten {$3100.00}. This money is a combination of my social security and a loan. I have had no dealings with XXXX XXXX. I have never received PROOF of ANY debt from XXXX XXXX or a court notice. I have lived at my current address for almost 6 years and a previous address for 3 years. No court notice, yet the index number is XXXX in the Civil Court of XXXX. I got this and the following information from my bank : to call XXXX, XXXX XXXX XXXX. I called. Left message. No cooperation or return call. I informed them I would contact CFPB. Again, nothing ; however since then I have learned that there are many complaints against Strumpf who wears two hats. Additionally, it appears that the Connecticut address is currently bogus as there are 7 companies at XXXX XXXX XXXX, XXXX XXXX, Ct XXXX but only ONE since XX/XX/XXXX which is actively owned by XXXX XXXX ; the others involved Linda Strumpf. Additional addresses are XXXX XXXX XXXX, XXXX XXXX, NY XXXX and oddly enough, the XXXX that XXXX XXXX gave me as Linda Strumpf is listed by XXXX as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters about the alleged auto loan from XXXX. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

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 2023-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 A fraudulent criminal made several transactions one for {$2000.00} one for {$1900.00} and one for {$1900.00}. They also raised my daily limit to {$7000.00} without my permission. Wells Fargo texted a confirmation to me of which I denied stating it was fraudulent. I then spoke to a Wells Fargo representative, requesting that all transactions be denied. This was not done. The transactions were approved, and Wells Fargo has continued to deny my request for reimbursement of the funds. I have screenshots of text messages, denying these transactions. At the same time I also had fraudulent activity for several smaller charges totaling XXXX along with alerts from Wells Fargo and XXXX that my identity had been compromised. Wells Fargo has continued To deny my request for reimbursement and has failed to address any of my transaction disputes.

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 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit 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:
Never sent me the merchant 's response paperwork so I could properly file my appeal. Never gave me the proper time allotment to file my appeal.

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 2022-12-23
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BC Services XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX has inconsistent communications of monthly statements of remaining amount owed. Their payment portal is not consistently accessible the website provided XXXX has an error message that the website doesn't exist and the other website XXXX XXXX XXXX has XXXX name that is associated with the account numbers. When I started making monthly payments the husband that I'm separated from that has no obligations to the accounts name was on the accounts. I've sent monthly payments for a few years. Several of the debt " accounts '' have gotten paid off. I'm making the effort to pay the debts.

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 2019-05-24
Company: HOMETOWN EQUITY MORTGAGE
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I am writing on behalf of my mother XXXX XXXX. 
Her Home Address is # XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
In XXXX, After filing Chapter XXXX Bankruptcy my mother 's home loan balance was XXXX. In XXXX, my mother refinanced her home with Home Town Equity Mortgage. We have documents stating that Home Town Equity Mortgage paid off my mother 's home for XXXX we don't know how there was a XXXX increase to her home loan because she never missed a mortgage payment within XXXX. In addition, to the XXXX increase ; Home Town Equity Mortgage has in the refinancing paperwork that she received a XXXX check during the refinancing process in which she never received. In XXXX, My mother was told that her home loan balance was at a whopping XXXX. She has never missed a mortgage payment ; since she purchased the home in XXXX. She also has a false deed release in XXXX on her home that she never authorized. The Deed Release was notarized by XXXX XXXX and XXXX XXXX. Both women have been associated with mortgage fraud. In gist, my mother has been making unfair mortgage payments for the past fourteen years and this must stop. Please assist us in providing my mother with justice. We would like for Home Town Equity Mortgage to be investigated for unethical business practices. 
In our research, we have learned that Home Town Equity Mortgage has an infamous reputation for mortgage fraud. We would like actions to be taken because we don't want something like this to happen to another family. 
Sincerely, XXXX XXXX and XXXX 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 2022-02-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a text message from my bank account Chime that my number had successfully been changed to an unknown number. Right after I received the text message I called Chime customer service and stated that my number was changed and I did not authorize this change. The lady that I spoke to stated they would freeze my account and issue a need card with a new number, however, I would not have access to my funds for approximately 10 days and they ensured me that my funds were safe. The 10 days processed and they were able to give me access back to my account with a new card number. Upon accessing my bank account after the 10 days, my funds were depleted and left me with a negative amount in my checking account. I checked my activity and I saw that approximately an hour after my last authorized transaction on XXXX XXXX there were XXXX transfers from my checking to my savings of all different amounts over XXXX dollars. Also on XX/XX/XXXX there was a transaction made of {$890.00} from XXXX XXXX. I promptly called Chime to dispute these transfers/transactions made and I filed a complaint/dispute with them. They stated they would give me a credit back to my account after 10 days if my claim was approved. 10 days passed again and I received an email stating my claim was denied due to not having proof. I called them after I received the email of my denial and I asked for the merchants information to see if I could reach out to them. I tried to look up the merchants information myself however the only locations I could find were in XXXX and XXXX when I contacted them they gave me a possible number that was related to them. I tried call the number that was provided and it was a XXXX XXXX number and it was no longer in service. I called them back and chime opened up another case providing that information. They stated that this investigation could take approximately 45 days. I received an email today XX/XX/XXXX that my claim was denied once again due to no further proof was provided. I have called them once again and they stated that there was nothing they could do except file another dispute. I have not taken any further action as I feel I am being pulled back and forth and I shouldnt have to wait this long as I have did what they asked me to do and they have not given my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. XXXX still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date. 

XXXX assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that XXXX has reported my account to the credit bureaus as a late payment. This is unacceptable. If XXXX cant properly handle loan payments and credit reporting, why has the government given them this contract?

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 2023-07-21
Company: EQUIFAX, INC.
State: PA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Chime Financial Inc
State: IA
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:
I have a secured credit account eith Chime / XXXX. I always keep the set amount in the account. Infact my paycheck is deposited directly into it. They are reporting I owe {$4400.00} and it lowered my credit score. It is a checking account. I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

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