BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 



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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX Chime bank notified me that via email/text that there was suspicious fraudulent activity on my account. This put my account on a lock or suspended. From that point forward I have sent numerous emails ( close to 10 ) and about 25-30 phones calls ( thats what it feels like ) and I have sent them everything they have asked for as far as verification of my identity. They even expedited my account to have this reviewed and in the end they say I need to way. Im sorry at this point its been 3 weeks of waiting. ALL of my savings/funds are in this account. About $ XXXX {$7000.00} is sitting in there and they want me to wait on their time. I have a life, a family, I need to pay bills AND EAT. I cant afford to sit around for whatever department for my money. This is sick and honestly inhumane to have this long hold on someone elses money. They dont respond to any emails and when I make posts on twitter they respond with XXXX there, thank you for your patience, we are still working on this case. Keep an eye out for a message from our Member Services. Its almost one month and on XXXX I saw many people having this issue and even one who waited over a year. I will not do this. The holidays are very close and I cant participate in ways that someone would like to. PLEASE HELP ME. Chime is so useless and can care less about their customers. Today is XX/XX/XXXX and Im still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we refinanced our home mortgage. The servicer on the previous loan has not returned our escrow refund. We have called several times and each time, they tell us a different amount that we are due, and they give us a different date as to when we can expect the refund check to arrive. We now believe that they may be lying to us because after several phone calls made to XXXX XXXX XXXX, finally on XX/XX/XXXX we were able to speak with a supervisor, XXXX XXXX. XXXX XXXX stated that a check was finally mailed to us on XX/XX/XXXX.  However, as XX/XX/XXXX, this check had not been received. On XX/XX/XXXX, I emailed XXXX XXXX and asked her to provide me with the check date, check number and a copy of the refund check that she claimed to have mailed, so that I could be reassured that the check was in fact mailed. I also attached an XXXX document with an analysis of the escrow history ( which matched the analysis shown on their website as of XX/XX/XXXX within 1 day per diem ) and asked her to confirm that this would be the amount of our refund since our analysis was several hundred dollars higher than what XXXX XXXX told my husband it would be when they talked on the phone on XX/XX/XXXX. I requested that XXXX XXXX respond to my email inquiry by XXXX XXXX on Monday 3XX/XX/XXXX. I did receive an email response late on 3XX/XX/XXXX. However, XXXX XXXX did not include the check information that I requested and stated in the email that our refund had been cancelled and that a new one would be issued. Quite frankly, I do not believe that XXXX XXXX is telling the truth and highly doubt there was ever a check issued at all. She said that we would receive an analysis of the escrow before disbursement but never bothered to say when this would happen. Our closing was on XX/XX/XXXX and Home Point Financial received their funds on XX/XX/XXXX. That is well over 5 weeks ago. What is most unsettling is that they are very hard to reach by phone, and when we do finally get to speak with an actual person, they give us false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my Bank of America credit card was charged without my authorization : XXXX*VACATION PKG XXXX CT XXXX XXXX XXXX * NY XXXX XXXX   XXXX * NY XXXX After contacting BoA about these fraudulent charges, my account was initially credited with the disputed amounts. On XX/XX/XXXX, I received a message from BoA asking me to call them within 5 business days. I spoke with a representative of BoA on XX/XX/XXXX to confirm that I had not authorized these charges. On XX/XX/XXXX, I received a letter that a credit was issued to my account and the dispute is considered resolved. On XX/XX/XXXX, my new credit card from BoA was charged again with the disputed amounts and I received a letter that I failed to contact BoA in time, hence I'm now responsible for the balance on my credit card account. I sent a letter to BoA on XX/XX/XXXX, stating that I did in fact contact them in time and I again disputed the charges. Today ( XX/XX/XXXX ), I received another letter from BoA, dated XX/XX/XXXX, stating that their research into the claim has been completed and their decision stands. So BoA expects me to pay for these fraudulent charges even though I never authorized them.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: NV
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2021-08-06
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
America First Credit Union is reporting late notations for 2020 and I ask they please remove them. I had some hardships with the pandemic during this time, much like anyone else. I went without work for some time and was unable to get on my feet. I did not expect this and did not mean to be late and I ask that America First Credit union please take some leniency on these lates. No one expected what happened in 2020 and this would really help me being able to buy a home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a very small company XXXX XXXX and had merchant services through Bank of America.  We were offered an overseas project by a prospective client and they defraud us in their first and only payment. Due to their payment which was fraudulent, Bank of America and XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) shut down our Merchant services and labeled us 03-Laundering. They will not listen to our position nor will answer our calls. We are only pointed to Risk team by their helpdesk where I have been leaving voicemails daily for the past week. Bank of America has already  collected fees and charges of this transaction. 
We wish to log a complaint against Bank of America , Bank of America Merchant Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) as they did not consider our situation as a new Merchant and that this is the first payment and have labeled us without giving us a chance to present our case. We have been following all the steps they requested and have also spoken personally with the bank representatives, however we keep getting pointed to their risk department, who doesnt answer back. 
Can I get Help?

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
OnXX/XX/XXXX I faxexd over my request for dispute with Transunion for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of today 's date,XX/XX/XXXX, I have yet to receive any correspondence from them in regards to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond with 30 days as required.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXXXXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).

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 2022-11-15
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX 2022, I deposited a check for XXXX dollars to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. The teller informed me that the bank was going to hold my funds for XXXX business days. 
The receipt I was given states that the hold is the result of my having overdrafted my account multiple times in the last XXXX months. I called the branch I made the deposit at the following morning on the XXXX and spoke with XXXX XXXX. I asked if some portion of the funds could be released and XXXX XXXX explained to me that no portion of the funds will be released until the XXXX of XX/XX/2022 and nothing could be done. I looked through my bank records and found XXXX overdraft that was a result of my having insufficient funds from XX/XX/2022. XXXX XXXX told me that the hold was a result of the bank the check was drawn on and not because of my overdraft. 
I worked hard for my money and was depending on it for the care of my family and the purchase of XXXX gifts. The idea that a bank will hold my money to punish me and my family because I can't afford to save money is reckless and immoral. This decision by the bank has ruined 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 2022-03-13
Company: Lending Club Corp
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I previously invested on the peer-to-peer borrowing platform LendingClub. Due to poor performance, I stopped new investments a few years ago. All of the notes that I had invested were either paid or charged off, and my account was subsequently closed. After that, there were recoveries on previously charged off loans. LendingClub is generating statements that show I have a cash balance, but I am unable to withdraw it. On the website, clicking any options related to bank accounts or transferring money brings me to the page that allows me to download my PDF statements. 

I attempted to e-mail LendingClub regarding this issue at the address listed on their help page, but received a bounce message and an auto-reply that the box is not monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: CO
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:
the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # 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 2022-07-25
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report from Equifax on XX/XX/2020 and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since Equifax sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding narrow proofs that are likely not to be obtainable by many reasonable persons, including demands for pay stubs when I have not worked for an employer who provides pay stubs for six months and my employer has not provided pay stubs for past work, a demand for a lease or bills in my name when none of these are in my name as I, like millions of people, am a renter from someone else, and a demand for a driver 's license ( my driver 's license shows another address from what they have on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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:
Experian FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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