BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: Chime Financial Inc
State: AZ
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:
This dispute is with chime they are my current company I bank with. On XX/XX/XXXX of XXXX I was XXXX XXXX XXXX until XX/XX/XXXX. Upon getting out I discovered several unauthorized charges on my chime account. ( I discovered these charges after a few days of trying to remember my pass codes etc ) after finally getting in my account & noticing these charges I immediately called chime & informed them of all these charges which have all been listed below. I also filed a police report of this charges to further validate my claim that this wasn't done by myself. I told them my card had been missing along with my phone & everything of my personal property including my car. This very well could have give this person access to the pin number if it was used to make these charges on my account. Several of these charges are done online & even one charge was done account 2 account ( the receiver has a chime account ) I even emailed a copy of my XXXX XXXX proving further that I was in XXXX  while these charges were being made 2 my account. I was told the claims were closed out & they weren't going to be refunding any of the funds that had been spent on my account to total roughly XXXX $! They told me that the charges were authorized even though I had just been released XXXX XXXX & had no way of making these charges myself nor able to have anyone make these charges for me to make them " authorized " I don't know what to do or where to turn next to get these funds back hopefully you can tell me or point me in the right direction. Thanx so much for your time below is a list of the charges to my account & the places & dates they were made on my account! 

XXXX XXXX phone transfer- {$50.00} XXXX XXXX {$18.00} XXXX phone XXXX- {$15.00} XXXX XXXX XXXX- {$25.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX  payment- {$200.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX {$10.00} XXXX XXXX {$18.00} XXXXXXXX XXXX XXXX {$10.00} XXXX XXXX {$21.00} XXXX XXXXXXXX  payment- {$31.00} XXXXXXXX XXXX- {$1.00} XXXXXXXX XXXX  - {$1.00} Please keep in mind I was in XXXXXXXX XXXX  from XXXX even the XXXX payments weren't made to my XXXX account as these were made to an account XXXX XXXX XXXX  Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Information 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 2023-07-07
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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

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 2023-11-13
Company: Experian Information Solutions Inc.
State: WI
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 10th 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 an alleged fraud or extortion.

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 2023-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Submitted Negotiable instruments to set-off account, Tender of payment mailed to XXXX XXXX CFO..given 3 Notices 5 business days to respond between Notices. Received Notice from JP Morgan that my negotiable instruments were " conditional payments ''! This is a fraudulent statement and derelict of their fiduciary duty to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm writing to explain a situation in which I believe the bank that handles my mortgage misled me regarding credit reporting. 

I have had a long history of paying my mortgage via automated payments. I was late for a payment in which I realized that my automated payment had ended by error. I called Chase to figure out where the problem was, and in hindsight we realized together, over an extended phone call, that my automated payments were, in fact, coming in late when I thought they were getting there early. Due to the autopay being shut off I made a manual payment on their website to get the account current. The payment was sent back to my bank twice, I don't know why as I had the money in my bank account. Chase never contacted me regarding this issue, but once I realized there was a problem with their manual payment system I checked my accounts daily to make sure that the mortgage was being paid, as I was concerned about this affecting my credit. 

Another thing to note is that when my autopay scheduling was off Chase never contacted me to let me know there was a consistent problem occurring. This resulted in Chase charging me about {$650.00} in late fees that they never communicated. 

During my phone call with Chase I let them know that I was very concerned that this would affect my credit, at which time they assured me it would not. I was very disappointed and upset to then see a mark on my report that I had a late payment recorded for my mortgage. 

I believe that Chase did not do their due diligence to contact me regarding late or missed payments, and that they reported a late payment on my credit when they specifically told me that I would be safe, and without communicating to issue to me first so that I could have taken steps to mitigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX I received a text on XXXX from an XXXX user name XXXX, I knew XXXX from XXXX. The message was to me individually and stated that an investment in bitcoin for {$500.00} could help you make {$1000.00} in a few hours. Inwas skeptical about the message however XXXX continued to converse with whom I thought was XXXX XXXX to inquire more. The person who sent me to another person 's account who was supposed to be a XXXX  investment person. This person walked me through the " process of investing on the bitcoin ''. They had me walk through a variety of steps that didn't work, then they sent me to a bitcoin website for me to register... they then said I had to send the XXXX to XXXX  cash app to invest it into the bitcoin. After meticulously walking me through the steps they had me log in to see my " investment ''. It took about 15 minutes which I know now was time for them to steal my money. After I was having trouble logging back in to the website.They sent me a website in which was supposed to have my bitcom money of XXXX. They asked for my recovery number becauss when it was time to tradd the money disappeared. I stupidly thought it was for the money to be traded. My boyfriend amd I were in desperate need of cash flow which is why I was overly naive in this situation and the conversation with someone I know and trusted lasted fir a length of time s in need of cash flow and because it came from someone I trusted I thought it was legit. They then signed me up for a fake website XXXX  XXXX  and XXXX  XXXX. The phone number they added to my XXXX  account was XXXX the location was from an XXXX phone in XXXX XXXX, NY. I really want them prosecuted. My instagram login has always been with email XXXX and via my phone number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Old information reappears or never goes away

Complaint:
i was advised that by paying this collection it would be deleted from my credit and no longer negatively reported. it is still there even though i paid in full.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX  XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX  XXXX XXXX  XXXX. XXXX, XXXX My name is XXXX XXXX XXXX My phone number is 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 2022-12-06
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-27
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX  is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.

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 2022-10-18
Company: HFS Financial LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, i applied for a loan with HFS financial in the amount of XXXX provided the requested documents. ( i had already obtained a loan with them previously, and it was virtually seamless ) .on XX/XX/2022 i received an email stating i was conditionally approved and that the process was starting.XXXX XXXX XXXX i received an email to retake my drivers lic. pic over and submit, i did.XXXX XXXX XXXX i resubmitted a voided check to the account for the direct deposit of the loan.on XX/XX/2022 i got a call from XXXX XXXX XXXX XXXX XXXX XXXX, stating the loan was approved for XXXX and they needed to ask me security questions.after the interview she stated everything was good and that i would get the documents to sign.when the email came i could not open the document to sign.i called the credit union and HFS they stated that it would be fixed.they attempted to send the documents three times that day i could not open to sign.XXXX XXXX XXXX i got an email stating the loan was approved and to look for the documents to sign again.the documents then arrived to sign again i could not open it.i called HFS, the credit union and the docusign support.after going back and forth all day i was then told that the loan consultant at HFS changed the loan to two loans in the amount of XXXX each.i did not request this and this action caused a glitch in the system to look like i applied for three seperate loans.i then got and email at the end of business day that the loan was now denied.no explanation from anyone.on XXXX XXXX, i heard from no one and called the credit union who stated that it was on HFS end due to the multiple loan attemts and that the loan was still approved on their end.when i called HFS i was told to speak to the vice president, who told me to call the credit union and he could not help me.i spoke to a manager at the credit union who stated once again that the loan was approved with them and that the documents to sign had to come from HFS. when i logged on to HFS it stated the loan was denied and i can not apply again for another 45days. i have hired contractors that are set to start in two weeks, i now have a hard inquiry on my credit report and nothing to show for it.this is totally unacceptable for no one to even follow up or get back to me.the loan processor XXXX was definitely trying to help me but it was above her.but she was the only one to answer the phone and try.the loan was already approved and cleared until HFS decided to change the terms and amounts of the loan.i applied for one loan for XXXX.

Company response to consumer: Closed with explanation