BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I noticed there was a charge on my Chime checking account for {$15.00} titled " XXXX XXXX '', I also noticed a second charge that was pending for {$17.00}. It also later posted as a " XXXX XXXX ''. 

I called Chime Customer Support and spoke to two different people about this. They explained that a XXXX XXXX is when you withdraw money from an ATM but they don't remove the same amount of funds from your checking account. For example, you withdraw {$100.00}, however your account only reflects you took out {$80.00}. So, they come back and get the {$20.00} as a XXXX XXXX. At least, that's my understanding. 

My issue with this is I had not used an ATM for 4 months. The last time I used an ATM was back in XXXX on XX/XX/XXXX and another time on XX/XX/XXXX. For both of these times, I was charged the entire amount that was removed from my checking, {$80.00} + {$2.00} ATM fee ( {$82.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX, and XXXX XXXXXXXX {$2.00} ATM fee ( {$120.00} ), and then another fee of {$2.00} from Chime on XX/XX/XXXX. 

I am needing Chime to explain to me why I am seeing a " XXXX XXXX  '' months after I've used an ATM for {$15.00} and {$17.00} using math and specific transactions. Because the math ain't mathin ' for me. Both people I spoke to could not do this. The manager I spoke to told me to send an email with screenshots to XXXX. I did this right after I got off the phone with him. It is now 8 days later and I've not heard one word from Chime about this. I've followed up three different times via email. 

I have already moved all my money to a different bank and set up my direct deposit to go to a different bank as well. But I am still going to need an extremely detailed explanation as to exactly why these two " XXXX XXXX '' are appearing on my account. I need statements to fully break down the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX XXXX, 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 2022-12-24
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
its a 30 day last payment reporting on my credit report when I was never late on my payment

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 2023-06-24
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In late XXXX of 2022 XXXX XXXX reached out a debt owed and I responded about wanting to coordinate getting debt settled. Never heard back from XXXX; attempted to access company portal to pay, but did not have access. Months later now see on credit report that in early XXXX ( not even 3 weeks after contact ) XXXX transferred to debt collector XXXX XXXX. Never received any form of documentation, email, call, etc. about this transfer occurring or debt going to collections. Have since never heard anything from either group about collecting this debt. 
Have text messages and can show that no emails were received from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
BMO loan officer XXXX XXXX promoted a loan program on a XXXX XXXX  consisiting of XXXX realtors. first of all, all banks forbid marketing and promotion on XXXX ; 2nd, she said this program excluded XXXX, this is discrimination against XXXX. I checked with a BMO XXXX  loan officer, he said its not true. XXXX XXXX is misleading realtors. BMO shall prohibit XXXX XXXX from marketing on XXXX and distributing misleading and discriminating promotion. This exposed the bank to endless lawsuit risk. 

I attach print-screen of her marketing ( in 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 2023-09-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: Credit Protection Association, L.P.
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 submitted a previous complaint about an account that was not correct and should have never been on my report at all because I do not owe them any money. Credit Protection responded stating that they will be terminating the account and it will be removed within 30 days it has been well over that 30 days and yet this collection still shows on my Credit Report and is hurting my score. Again I do not even owe this company and that has be justified and verified as well so I am needing this collection to be removed ASAP!

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A demand letter was sent to Capitol one dated XX/XX/2023 and I didn't receive any response. Now I am taking this matter to a whole new level being that Capital one want to continue to lie and disrespect me along with assassinate my character steal my money aggravate me cause me all this pain anguish and frustration when all they had to do is look at the date and time on my paperwork. I am gon na file a lawsuit on the matter then maybe I'll get my money back from these apathetic self righteous, people. I still do business with capital one. It was {$300.00} they took out my account. I sent Capital one my proof and to no avail still no resolve. My claim will be for {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I call multiple times in XXXX. I have yet received any information. I have called XXXX multiple times I have tried going to the post office them letters Ive filled out envelopes. Ill try finding errors in the contract.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: AR
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:
At the end of XX/XX/2023 I started to fix my credit report. Checking to my sure everything is accurate and looking to see what can be removed. As I examined my report I see that there is a bankruptcy on there. So I reached out to all 3 credit bureaus asking them to check the accuracy of the information. XXXX responded back with a deletion. XXXX and Experian responded by saying the information was accurate. So I then reached out to the source of the information reported. The source responded with a written statement saying. They DO NOT report to any credit bureaus therefore the information is a lie/inaccurate and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have reported this type of occurance of fraud on Wells Fargo debit card checking account and my allegations include corruption and collusion with major stock holders and XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX and XXXX people internally at Wells Fargo XXXX XXXX fraud department. Due to the events that I have already reported in my previous calls and reports to XXXX XXXX XXXX XXXX Customer Service at Wells Fargo and my emails to FBI. Once again today, there was a reordering and reposting of authorized pending transactions. On XX/XX/XXXX I made a purchase for either {$4.00} or {$4.00} at XXXX XXXX and that left {$0.00} in my account. I verified my account balance yesterday from the phone in my hotel room that seems to be monitorired or tracied dialed and yesterday that verified my balance from XX/XX/XXXX and also XX/XX/XXXX. This morning there was either a balance of - {$2.00} and h there was not any {$3.00} charge from any service fees or debit card transactions on. Someone either deducted and changed the balance of my account through reordering of my transactions from what appeared to be either hacks on my RFID cards as I cut up my XXXX bank card yesterday and also while I was at Wells Fargo today I cut up my debit card ending in XXXX. This fraud the same fraudulent occurances on my wells fargo account has occured multiple times in many years and evident from people I have also reported as part of other FBI investigations and Social Security XXXX proceedings that include the XXXX named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX of Wells Fargo himself and or others internally at Wells Fargo Fraud department people in the payments industry and people I networked with that hacked my computer and passwords accessing my accounts. There were ID theft issues from Wells Fargo that got wrapped up previously but they have not fixed their fraud problems. THIS CONTINUES TO COMPROMISE MY SAFETY AND SECURITY AND HAS ALSO CAUSED MORE HACKS ON MY PERSONAL DEVICES INCLUDING MY XXXX AND COMPUTER THAT IS A RESULT OF MY REPORTS TO FBI AND XXXX AND MY EMAILS AND LEGAL NOTICES TO XXXX XXXX XXXX, CHAIRMAN OF XXXX. THESE ALLEGATIONS ALSO INCLUDE THAT PEPOLE LIKE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AND OR THEIR AGENTS AND HIRED TECHNOLGOY CONTRACTORS OR AGENTS ARE ALSO INVOVLED FROM MY PURSUIT OF MY OWN BUSINESS IDEAS THAT I CREATED THAT I OWN THE I POSTED ON MY XXXX PAGES. THEIR HACKS AND FRAUD ON MY ACCOUNTS ARE VERY CONCERNING GIVEN HOW MANY TIMES THIS HAS OCCURED AND EVERY TIME REPORTED TO WELLS FARGO AND XXXX TREASURY CFPB, PLEASE MAKE SURE XXXX XXXX IS AWARE OF THESE AND ALL REPORTS I HAVE SUBMITTED REGARDING MY WELLS FARGO ACCOUNTS AND MY XXXX AND XXXX ACCOUNTS. REGARDS, XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: LEXISNEXIS
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:
They are reporting a bankruptcy with an incorrect name and an address in which I have never lived. Please remove this information from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Lowe 's credit card that I signed up for e-Statements. The issue is that I am not getting the statements and then am being charged interest and late fees because I do not see at statement. I have used the card multiple times during XXXX but the last statement emailed to me was in XX/XX/XXXX. I believe I should be getting statements and not have to search them out.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AR
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 XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX, ACCOUNT # XXXXXXXX XXXX XXXX  Account # XXXX DEPT OF ED / XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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