BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Social Finance, Inc.
State: VA
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:
Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
We received a large refund from a cruise we paid for through our American Express Credit Card. The refund was sent to American Express which created a credit balance in our favor. American Express has refused to send us the refund. AMEX has had a credit balance on our account for over three weeks. We asked for the credit balance to be refunded to us through either a check or wire transfer. Their fist excuse for not sending us our refund was it's against the law to wire our credit balance to our bank. Then they said they would wire the funds. We never received the funds. We called AMEX again and they said the wire would take 7-10 business days. We called on the 7th business day and they told us the funds have been delayed because of COVID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: TN
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-02-21
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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 belongs to someone else

Complaint:
I'm a victim of Identity theft and I have attached an letter pertaining to all accounts relating to this matter.

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 2022-06-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I tried to turn off overdraft protection before a few transactions debited my account. I call the bank, they told me to come into the branch. I was not able to go into the bank due to XXXX. I went to the ATM machine to cancel overdraft protection but it would not allow me to cancel it. 

The bank continued to charge me overdraft fees. The overdraft fees were XXXX time as much as the debits. 

On XXXX, I went into the bank branch on XXXX XXXX XXXX XXXX XXXX, NC XXXX and complained about {$480.00} being taken out of my other account ( XXXX ). They told me to call Truist XXXX Department ( XXXX ). I called the recovery department ( XXXX ) first person hung up in my face and second person told me to go to the bank branch and ask for the XXXX. 

At this point Truist will not give any of my money back. They are refusing to look into the matter.

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 2023-05-01
Company: United Group Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, OR, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$1300.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Oregon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-01
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:
I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In dealing with XXXX, and now Navient in regards to my private student loan, I have been charged an exorbitant amount of fees and late charges due to the mishandling of my account. While trying to resolve any matter or request assistance from a representative, I was always quickly rushed off the phone. Its like they are not allowed to speak with a customer for more than 5 minutes. The representatives at Navient were always quick to push me into a forbearance but never offered any other type of program that may make it easier to afford my loan. Even while on XXXX with the XXXX, the only program offered to me was forbearance. Whats worse, is that on my last XXXX, my forbearance that I thought was for the duration of my orders, was only for one month. After I returned from XXXX I found my account severely past due and I owed months of late fees. You would think that when you are 60, 90 days past due they would make an attempt to call you and resolve the payment issue like most creditors do. Not Navient, they seem perfectly happy with you as long as they have their late fees on top of the interest which never stops. 
Another issue is that they offer no assistance if your on a private student loan and have a XXXX student loan repayment contract. The XXXX is kind enough to make one large payment a year to my loan, unfortunately, Navient does not allow this one payment to be the sole payment for the year, even though it is 3x larger than the sum of my regularly scheduled monthly payments. Perhaps they do offer a program for XXXX, but I would never know because ever rep at Navient has a different way of pushing back when I ask about it. So for now I continue to make monthly payments even though the XXXX has one for me at the end of the year. With all the interest and fees I have been charged, my {$30000.00} XXXX student loan bonus is almost used up and my original {$25000.00} student loan is nowhere near to being paid off. 
Navient appears to be one of those companies that if you call them 5 times, your going to get 5 different answers. In dozens of calls to them, the main option presented repeatedly was a forbearence, which may offer temporary relief, it actually just digs you deeper in debt, which appears to be Navients goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, my spouse XXXX XXXX wrote check # XXXX on our joint Chase checking account ending in XXXX to XXXX XXXX for {$100.00}. On XX/XX/2023, we logged into our Chase checking account online and saw that a check had been chased on XX/XX/2023 for {$5000.00} made out to XXXX XXXX at another Chase branch. Someone stole our check, washed it, and changed the payee and amount. We reported this to Chase on XX/XX/XXXX and the representative advised it would take 30 days to resolve the claim. We also reported this theft to the XXXX Police Department ( case : XXXX ) and the United States XXXX XXXX XXXX ( request XXXX ). 

After two weeks we received a fraudulent check affidavit from Chase which we completed and returned to Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX and they advised that it would now take XXXX to 90 days from XX/XX/XXXX to resolve this claim. This is totally unacceptable as Chase is the party who cashed the fraudulent check. 

We have had this Chase checking account for 9 years without any issues but now Chase is refusing to refund the {$5000.00} that they withdrew from our account. Under the XXXX, Chase is responsible for accepting a check that has been forged or altered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX - paid off the {$8400.00} ( loan balance ) plus a {$39.00} late fee. 

XX/XX/XXXX- received a bill for {$260.00} as interest and a late charge for not submitting a monthly payment. 

I called a number of times to try to resolve this matter and no supervisor would speak with me and they just insisted on receiving their payment. 

XX/XX/XXXX - I finally called and demanded to speak to a supervisor, they refused. I was told by the operator that I need to pay or every month the balance will increase. 

I responded, " Increase for what? I paid off the principle of the loan, HOW are you calculating these interest payments? What math are you using? '' I paid off the {$260.00} as I was given NO OTHER OPTION. 

I am shocked, AMEX is allowed to operate in this manner. 

Please help me get back my money. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX, I called Chime Bank support. The lady on the phone told me my phone had me hacked by someone in ohio. she told me to look at this link and it will show me where it was. so When i clicked it, it shoed someone in ohio accessing my phone. Apparently that link was actually allowing the Support lady on the phone to access all my information an hack my phone herself. She completely drained my bank account. I was able to get the bank to refund XXXX. They refused to refund the XXXX that she transfered into her account directly. Her name is XXXX XXXX. I have filed police reports, she is located in new york. They have proven her account as fraud and she has scamed multiple other people. The bank still says they wont do any anything. The police say its out of their hands. I have been fighting this for almost a year now and NO ONE will do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 XXXX XXXX I received 3 emails saying my order was being processed and shipped. I immediately logged into the website of XXXX and pulled up my account. I saw that there were 3 separate charges going to 3 separate addresses in the 3 different states. None of these charge were mine so I called them but they were closed of course because it was XXXX. I called the next day and disputed all 3 charges and they credited my account on XX/XX/XXXX. A couple of weeks later they said they found 2 of the 3 charges were mine so they aded them back to my account on XX/XX/XXXX. I again called them and spent hours on the phone getting transfer to several people and they agreed to reverse theses 2 charges again and credited my account on XX/XX/XXXX. I thought we were all good until today and had an auto pay get scheduled which I thought was odd since I have not used the card so I pulled the online statement and I see that 1 of the charges has once again been added back to my account on XX/XX/XXXX in the amount of {$210.00}. Below is the transaction currently in question and it is clearly not me and I know of no one in this area and I did not make this purchase. I hope the other 2 charges do not resurface but will amend this complaint if they do. Credit card was reissued and have had no problem since except within their own office treating a customer this way. 

TRANSACTION in dispute Shipping To : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Order No. XXXX Order Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
i had a savings and checking with Bank of America. I owed child support in the state of illinois but they are garnishing my wages for arrears owing. on XX/XX/2022 the state of illinois  wipe out my checking and savings account with a total of approx XXXX Bank America is now charging me fees for the levied fees - the stated of illinois also sent a notice to the bank with the wrong amount owing and i might be levied again when the balance is already paid

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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations

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 2023-03-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX my niece passed away. On XX/XX/XXXX we received notice from Citizens Bank that they were going to move her account to the Abandon Property Division of MA. On XX/XX/XXXX I went to the bank and informed them that I was awaiting appointment from the State to be her Personal Representative. The manager informed me that she made a note on the account and they would not move her account. XXXX XXXX I received the appointment and proceeded to ascertain the funds. I applied for and XXXX number and on XX/XX/XXXX sent them the required documentation. Not hearing from them called the Decedent Account Processing center not once but many times. Finally after many hassels with representatives of the bank they informed me the money was forwarded to the State, total amount sent {$100000.00}. I am presently trying to get the State to release the funds.

Company response to consumer: Closed with explanation