BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX points on my XXXX credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXXXXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on 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 2023-06-02
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:
Issues with Chime banking : on Saturday, XX/XX/XXXX a payroll check was deposited via mobile deposit in the amount of {$690.00} - the check was accepted without immediate notification of the funds being held or the option to cancel the deposit due to fund a being held ( for instance - if I had known they were going to hold the funds I could have gone to the bank the store utilizes ). Upon calling Chime I was informed that since they accepted the check it would be held until XXXX to ensure the check doesn't bounce. On XXXX deposited another paper check via mobile deposit for {$930.00} again, the check was accepted without notification of funds being held- until after the check was accepted while waiting for the direct deposit to begin on XX/XX/23. Again, the payroll check is being held. I have called Chime twice now, the first time I was told they hold 30 % of checks deposited via mobile deposit are subject to be held to accept more checks via the app. When I called the second time regarding the second check Chime claimed that the payroll provider did not have the bank name on the check, they do, it is a local bank called XXXX XXXX. Chime is holding nearly {$1700.00} in payroll funds. Chime stated they have accepted my check but claimed it is a system issue and no one can simply call the bank to verify funds. They also told me the only way to access my funds would be to have the owner put a stop payment on both checks and reissue another check that I then could take to another bank. Meanwhile, I can not access the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


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 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with Capital One Bank XXXX. I attempted to call Capital One XXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of XXXX with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : XXXX info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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 2023-11-09
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against JP Morgan Chase in relation to my Marriott XXXX XXXX XXXX. I have always maintained a strong credit history, regularly making timely payments on my account, which had a credit limit of {$9000.00}. 

In XX/XX/, I was informed by Chase that all my accounts were being closed. Understanding the situation, I attempted to make payments in person at a Chase branch located at XXXX XXXX XXXX, XXXX, CA XXXX, because I could no longer make payments online due to the closure of my accounts and not having any other bank accounts at the time. Despite my efforts, the bank 's system did not permit me to make payments on two separate occasions. 

Due to these circumstances, I decided to open a checking account with XXXX XXXX in order to continue making payments towards my credit card balance. However, because the account was new, a check was not processed on time, resulting in a non-sufficient funds ( NSF ) decline. Chase subsequently reported my account as delinquent to the credit bureaus, causing a substantial drop in my credit score. This has affected my livelihood significantly. 

I have since paid off the balance of my credit card account, but the negative mark from Chase remains on my credit report, continuing to impact my credit score and financial opportunities. I believe that Chase has not treated me fairly in this situation, particularly given my efforts to make payments despite the obstacles presented by the closure of my accounts. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action. I believe it is only fair for Chase to retract the negative comment from my credit report since the delinquency was not due to my negligence but rather to their system 's restrictions. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XX/XX/2023 XXXX, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Charging late fee unnecessarily Since Hurricane Harvey, I've asked for assistance from XXXXXXXX XXXX. This company is very difficult for their consumers to feel valued. First, they would say they're helping and charge late fee after talking to them. I've made my payments for XX/XX/XXXX and XX/XX/XXXX but it does not say the customer should make the payment in Eastern Time Zone. I live in the Central Time zone and make my payments according that time. Now I'm told after all the years having the account the should be made no later XXXXEST. Without knowing this information, my payment for XXXX and XXXX were considered late so they charged me XXXX late fee. I have been trying to pay this account but they are fees to make harder for me to do that. On XX/XX/XXXX, I called to have the late fees credited but was told they could not because they waived fee in the 12 month period. 
They are referring to an issue they made and had to correct it along with some interest. They should should not be penalizing me for their error and method of correcting it. I've had so many issue with this XXXX 's account and with huge Language Barrier. Most of the time I do not understand what the outsource agents are saying.

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 monetary relief
Consumer complaint received 2023-06-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
After receiving at least a dozen direct mail solicitations to open a Citi XXXX XXXX Savings Account, i opened a new account thru their online process, and funded a {$50000.00} deposit XX/XX/2023. After the passage of 90 days, I was to receive a promotional credit of XXXX American Aadvantage bonus miles. I have called and emailed them inquiring of the status, no miles received - and pretty much impossible to get any communication at all going with them. After i have spent 40 years in the financial services industry, i believe my understanding of the way a relationship of this nature should work. I have re-read their mailer closely, and believe i have complied with their program. If i missed something, it should be considered a XXXX violation. I can supply an image of the mailer if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2022-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to notify the CFPB about the inadequacy of BOA as lenders and their skirting of duties to pay our property tax on time. 

This Spring, we received a secured property tax from XXXX XXXX XXXX, specifically Escaped back taxes for XXXX XXXX ( {$3400.00} ). In XX/XX/2022, when we initially contacted BOA about this tax bill, we were told that this tax bill was BOA 's responsibility and it would be paid out of our escrow. Several weeks later we noticed that the tax bill was still not paid, and when we called to check on the status of the payment, we were told that they were still working on payment. We called back later again to speak to the BOA escrow department, and at that point were told that it was our responsibility to pay this tax bill. At this point, we were already being charged a late fee ( {$380.00} ) which we could have avoided if we had been given the correct information ( that the Escaped Back Taxes were our responsibility ) when we initially called. We believe that the late fee should not have come out of our escrow but should have been paid for by BOA because of the incorrect information we were given when we initially asked for guidance. 

This Fall, we've had to chase down the BOA mortgage to pay our property tax bill as well. Initially, we noticed that there was no fund extracted or prepared for the property tax due in XXXX. We called BOA and they gave us the completely wrong property tax amount ( half of what was actually due ), which I corrected. The next time I called back, they confirmed that they had the correct property tax amount which was being prepared to be paid. This has yet to happen. Our property tax was due XX/XX/XXXX and it is now XX/XX/XXXX and there is still no payment that is in process when I call into the automated line.

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 2023-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on XX/XX/2023. It has has been XXXX since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice. 

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated.

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Personal information incorrect

Complaint:
I see a number of inquiries on my credit report for XXXX, XXXX, and Transunion that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the black market. I need this inquiry to remove from the credit bureau.

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 2022-03-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.

Company response to consumer: Closed with explanation